HIV Life Insurance & HIV Life Assurance Summary – Summer 2021 …

“Considered, Not Impulsive – By Chris Morgan”

Over the last twelve months the HIV & Insurance Column has been keeping track of all the major Life Insurance developments for people living with HIV and in particular how the pandemic has effected people’s ability to get Life Insurance at reasonable premium rates.

Arranging Life Insurance is a considered, not an impulsive purchase – we therefore feel it is important to publish the facts for HIV positive people, who may feel marginalised at this time. If you are concerned about approaching insurers, or have been declined for Life Insurance we are able to help.

Unusual Risks are the constantly assessing the “Whole of the Market” and our research is completely up to date. We have agencies with all of the leading Life Insurance Companies in the UK and consult with them on policy and process on an ongoing basis.

Key Statistics

  • 50% of the Life Insurance providers in the market will charge you more than double the very best rates available. The best rates are available through products that are only available from Brokers and Financial Advisers at this moment.
  • 56% of Life Insurance applications for people living with HIV are likely to be declined through these same insurers. (More to follow on this in my coming HIV & Insurance columns).
  • We are able 100% guarantee access to “Life Insurance For All” people aged between 18 to 64.

Declined Applications

  • We estimate that 56% of applications for Life Insurance have been declined throughout the pandemic for people with multiple medical conditions.
  • Most of these were declined without any logical reasoning or explanation for the decline – if you need advice and representation then we are here to help.
  • Tolerance for other medical conditions over and above HIV has reduced significantly, in the coming weeks we will be working hard to improve this situation for the HIV Community.

Fairness For All

  • In The Netherlands they operate a “Social Insurance System”, where everyone is entitled to a level of Life Insurance – we want to see the same in the UK.
  • We believe in “Life Insurance for All” and are able to guarantee access to Life Insurance for everyone aged between 18-64 regardless of their health situation.
  • We also are able to arrange Life Insurance cover for Keyworkers. Health Care Workers, NHS Staff, regardless of their occupation. We believe in supporting those who help us most.

Financial Advice

  • Life Insurance companies pay independent brokers directly, so you will not incur any fee directly for financial advice. You are entitled to free financial advice when buying Life Insurance through a financial adviser.
  • We are able to arrange Life Insurance products for people with HIV at their lowest premiums since they were launched in 2009.
  • We are very likely to be able to attract lower premiums for legacy policy holders with policies taken between 2009 to 2017. Particularly for existing policy holders of Bright Grey. Exeter Friendly, Vitality and Zurich.

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 ...

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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