HIV & Insurance Column – Edition 10 – March 2020

Why have Insurers introduced industry wide limits restricting Life Insurance for people with HIV – Part 2″? … Commentary By Chris Morgan

In part 1 (Edition 9) we discussed the introduction of maximum COVID underwriting limits across the Life Insurance industry, that have restricted the ability of people living with HIV to obtain Life Insurance. The limits affect those who have additional medical conditions over and above HIV.

Those with additional conditions like high blood pressure, cholesterol, High BMI, stress, anxiety, depression and other conditions may be finding it difficult to find cover. This is due to the general reduction in the maximum tolerance for medical conditions amongst life insurance providers.

Latest Products

The latest generation of HIV Life Insurance products that we have available are not only offering the lowest premiums, but also offer the maximum tolerance for other medical conditions. Throughout the last year we have been working very hard to protect the interests of the HIV Community in regards to Life Insurance.

Throughout the pandemic we have also been working on solutions for the HIV Community that will guarantee a level of “Life Insurance For All”. Be sure to keep reading my column, throughout 2021, to find out more details of our plan for making certain all members of the HIV Community are able to access some form of Life Insurance.

Client Case Example, Benjamin, 43, Social Care Manager.

Benjamin contacted us after he had been declined for Life Insurance by four providers in a row. This was due to him living with HIV and also that he had a “genetic test” on his medical file that was being used as medical evidence against him.

After researching the whole of the market and confirming the industry rules on genetic testing, we established he had been treated unfairly by all four Life Insurance Companies. However, after reminding insurers of their obligations under “Genetic Testing” we were able to secure him Life Insurance Cover with reasonable premiums and terms.

Declined For Cover? We Can Help

Throughout the pandemic, we have been more determined than ever to make certain that everyone is able to access some form of Life Insurance, as a basic human right, to protect their mortgages, debts and families. Keep checking back to my new HIV and Insurance column for further details of our  “Life Insurance For All!” campaign.

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance and HIV Life Assurance. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over two decades.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

Unusual Risks Community Signposts

You can read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide …

HIV Insurance – Part 1 – The Unusual Risks Guide to HIV Life Insurance, HIV Life Assurance, HIV Mortgage Life Insurance, HIV Whole of Life Assurance

You can read more about HIV Income Protection & HIV Critical Illness Cover here at our useful guide …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

You get to know your adviser by reading Chris Morgan’s full career biography here ...

Adviser Career Biography – Chris Morgan

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 20 years. His column has previously been resident for publications such as Baseline Magazinand Pink Paper.

For more information about HIV Insurance and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075.  Email: Web: Blog:

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