HIV & Insurance Column – Edition 14 – November 2021

“The unseen impact of declining people for Life Insurance – Part 2” … Commentary by Chris Morgan

Another area of deep concern where we are currently seeing on a regular basis is where clients living with HIV have historic incidents of other medical conditions on their medical record such as Syphillis, Tuberculosis and Hepatitis. Even though these conditions can be historic and treatable, we see Life Insurers declining applications ever week for these groups of people.

Yesterday, I met a guy who had been unfortunate to have contracted Syphilis on two occasions over a decade ago. He had been treated and cleared of the condition at the time, but several insurers he had approached for Life Insurance had declined him for cover – leaving him frustrated and confused. He was in the process of taking a mortgage, so this had made things extremely stressful for him.

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We are aware that the majority of high street banks and financial institutions are still declining people for Life Insurance who are living with HIV for trivial reasons. Throughout the pandemic we have been speaking to people who have been adversely affected by these decisions every day and have been helping them through these difficult situations.

We have also spent a lot of time during the pandemic speaking to Life Insurers and Re-insurers, with a view to protecting the interests of the HIV Community and making sure we are `able to offer ” Life Insurance For All”. `Unusual Risks are able to guarantee access to some form of Life Insurance for anyone aged between 18-64, it doesn’t matter if you were declined elsewhere.

Client Case Example, Clayton, Aged 37 , Administrative Assisitant

Clayton approached us for Life Insurance to cover his mortgage for £150,000, which he was taking with his Bank. He had been through a very difficult experience with them, as they had declined his application due to his history of HIV, along with two historic cases of syphilis, which had been treated and cleared over a decade ago.

This had all been very worrying and frustrating for Clayton – until he had met us and we had found him alternative cover for a reasonable premium. The result was that we found him cover that was half of the original premium he had been quoted by his bank and the insurer was open minded about the minor “other” medical conditions on his medical file.

Declined For Cover? We can help !

Throughout the pandemic, we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is as a basic human right for people, to protect their mortgages, debts and families.

We have encountered many people who have been adversely affected by the decisions of Life Insurance companies. We believe more than ever in “Life Insurance for All” and are able to guarantee access to some form of Life Insurance for everyone aged between 18-64.

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.

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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: 

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