“Celebrating 25 years in 2025 – Part 2” – New Products – Chris Morgan
In 2025 I’m celebrating advising people living with HIV on financial issues for 25 years. Initially this was through my first resident column in AXM Magazine the gay men’s health magazine in year 2000, which featured many advice issues for people living with HIV.
Since then many people will have seen my HIV financial columns in publications such as Pink Paper, Gay Times, Attitude Magazine, Positive Nation & Baseline Magazine. These magazines along with national press all contributed to the campaign to secure Life Insurance for those with HIV.
Long Term Life Insurance
Although it was a big breakthrough in 2009 for Life Insurance to become possible for people with HIV it was still frustrating for policies to be limited to 10, 15 and 20 year terms. It has been only recently that longer term Life Insurance for 30 years and longer has become possible for HIV Positive applicants.
We are in fact arranging Life Insurance for longer than 30 years, dependent on the individual circumstance. Currently only 37% of people living with HIV have some form of Life Insurance, which is a direct result of the number of Life Insurance applications declined by insurers over the last 15 years.
We estimate that 50% of applicants have at sometime been declined Life Insurance from companies without any reasonable explanation.
If you have been declined for Life Insurance then be sure to contact us.
Income Protection & Critical Illness Cover
In 2015 Unusual Risks started a campaign for people living with HIV to be able to get Income Protection & Critical Illness Cover. It has taken a decade for companies to begin accepting applications, but finally we are proud to announce that these products are available to the HIV Community.
It has take until 2025 for Insurance Companies to realise that people living with HIV can be insurable for Income Protection and Critical Illness Cover, even though our survey through Baseline in 2015 proved that HIV Positive people took less time off work sick, than people who were not HIV positive.
We established that 89% of people living with HIV had taken less than seven days off work sick in a year and 74% had taken less than four days off work sick.
See a article from Actuary Magazine dated March 2015 documenting our IPP & CIC campaign by clicking here …
For the first time in 25 years, a full range of HIV Inclusive protection products, without exclusions is now available through Unusual Risks
If you have been declined for Income Protection or Critical Illness Cover then contact us.
Who are Unusual Risks?
We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. 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 twenty five years.
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.
He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.
Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 24 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.
For more information about HIV & Hepatitis Insurance and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk