Press Release: HIV Life Insurance & HIV Life Assurance – Declined Medical Conditions 2021 …

Unusual Risks, Financial Advisers to the HIV Community, have today published the results of their latest research into the percentage of people Living with HIV who are deemed uninsurable by the Life Insurance Industry. They have established that 56%* of people living with HIV who apply for Life Insurance are currently being declined by UK Life Insurance Companies.

This was figure was established by closely monitoring the most common additional medical conditions that cause insurers to decline an application for someone living with HIV. Since March 2020 there have been an unprecedented number of HIV Positive people declined for Life Insurance, many of whom could successfully achieved cover elsewhere.

Chris Morgan, Lead Financial Adviser of Unusual Risks, Said, …

‘The most common additional medical conditions that we see, when people living with HIV apply for Life Insurance, are high blood pressure, cholesterol, high BMI, stress, anxiety and depression. These conditions should be insurable, but we are finding that majority of high street banks and mainstream insurers are still turning people away, when in fact they are insurable’.

‘We have also discovered that those recently diagnosed with HIV and those with significant additional medical conditions, such as Hepatitis, Diabetes and Cancer are almost certain to be declined outright for cover by high street life insurers. We believe that all people living with HIV, should be able to protect their mortgages and families for a basic amount of Life Insurance’,

Unusual Risks have been working hard to protect the interests of the HIV Community during the pandemic and we are now able to guarantee access to Life Insurance for all people living with HIV, between the ages of 18 and 64, in the UK. Whether this be via mainstream insurance providers or insurers that offer cover without any medical evidence.

Chris Morgan has campaigned on behalf of the HIV Community for two decades, firstly for the introduction of HIV Life Assurance, followed by the improvement of terms and premiums. He is currently campaigning for improved access to “Life Insurance For All”, as he believes that everyone should be able protect their mortgages and families.

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments. *Please note Income Protection and Critical Illness is not currently available to people living with HIV.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email or visit us online at

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