“26 in 2026 –Declined For Life Insurance?” By Chris Morgan
26 in 2026 is a continuation of our celebration of advising clients living with HIV.
This is a reflection of our commitment, knowledge and dedication to advising people with HIV around their finances for 26 years. You will read in my previous columns that over the last 26 years I’m the financial adviser that decided to do something to help people living with HIV and fight against Discrimination in the Life Insurance Industry.
Did you know: “Up to 50% of applicants are declined by some Banks, Building Societies, Estate Agents and Mortgage Lenders for HIV life Insurance” …
We are here to help you find Life Insurance Cover – Protecting your Family, Covering your Mortgage, or Key Person Business Insurance – We are able to help you even if you have declined before.
Life Insurance Co-Risk v Single Risk
We are able to assist those not just with HIV but other multiple (co-risk) medical conditions, where they have more than one significant medical condition – this group of people can find it difficult to obtain life insurance. Common Co-Risk conditions that we can insure include HIV along with Diabetes Type 1, Diabetes Type 2, Hepatitis B, Hepatitis C, along with a host of other medical conditions.
HIV Life Cover – Case Example
Name: Emma-Jade, Age 46, Director in Healthcare
Emma-Jade contacted us looking for Life Insurance after her mortgage broker started asking lots of difficult questions – she did not wish to disclose her HIV status to mortgage provider.
The Mortgages that were being arranged were for 25 years and Emma-Jade wanted to make sure they were repaid should she die before they were repaid.
Emma-Jade had problems getting Life Insurance in the past due to a number of pre-existing medical conditions.
We were able to arrange Life Insurance cover that was fully inclusive of her HIV status, BMI (Height & Weight), High Cholesterol and High Blood Pressure.
Declined Elsewhere
It’s normally pre-existing medical conditions, like HIV along with issues around BMI (bodyweight), blood pressure, high cholesterol, kidney function and liver function that can lead to applications being declined by Banks, Building Societies, Financial Advisers and Estate Agents. We meet people in these situations on a regular basis and never presume that what has happened previously is correct.
Product Features
We are able to arrange Life Insurance for Mortgages, Family Protection and Business Loans and can access Life Insurance products that are fully inclusive for pre-existing conditions. We are now also offering longer term life insurance for clients up to 30 year term and for some longer – many people only have 10, 15 or 20 years remaining on their policies and we are currently extending policies for many people with shorter term cover.
Who are Chris Morgan & 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 25 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.
Chris Morgan can be contacted about HIV Life Insurance, HIV Income Protection and HIV Critical Illness Cover at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075 or make an appointment by Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk