HIV & Insurance Column – Edition 15 – February 2022

HIV Life Insurance – How do you know you’re paying too much for your Life Insurance? – Part 1 ” … Commentary by Chris Morgan

One thing that is for certain is your Bank, Building Society or Life Insurance Company is not going to tell you they are overcharging you for your Life Insurance. Unusual Risks have research coming out soon that absolutely proves that Banks and Life Insurance Companies are overcharging applicants for HIV Life Insurance following the main pandemic.

Over the last 12 years we have been at the forefront of negotiating for people living with HIV within the Life Insurance Industry. We represented the HIV Community in the original working group that created HIV Life Insurance products in 2009. We then were at the forefront of the introduction of better product terms for people through to 2018.

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Throughout lockdown we were so concerned at the way Banks and Building Societies and some Life Insurers were treating people living with HIV, that we used the time to negotiate with new Life Insurance Companies to lower premium rates. We will be announcing the results of that work in the next few weeks – these products are only available through brokers and not high street banks and Life Insurers directly.

We are however for moment are able to say ….

“If you are a HIV Life Insurance policy holder that was taken before March 2018, you should now be contacting Unusual Risks to review your policy. If you have a policy that was taken out before this date, then you are likely to be paying too much for your Life Insurance“.

Call us to review your existing Life Insurance and to make sure that you are not paying too much for your cover.

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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 specialist advisers 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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