HIV LIFE INSURANCE & HIV LIFE ASSURANCE COLUMN – EDITION 26

By Chris | Published: February 27, 2023

Dedication, Passion, Knowledge & Experience – Part 1 By Chris Morgan

Over the last two decades there have been many proud moments in my career as the UK’s only dedicated specialist Financial Adviser looking after people living with HIV.

I’ve been looking after people living with HIV for over 24 years in regards to their financial needs.

The first decade 1999 – 2009 I was campaigning on behalf of the HIV community to secure Life Insurance products, as they didn’t exist at all.

I was then part of the original industry working group that created HIV Life Insurance products in 2009 and I still continue to consult with the insurance industry on these matters every single week.

More than 90% of the clients that I look after are living with HIV, which gives me a unique knowledge of the products available to them at any one time.

These are some of the key milestones of my career between 1999 and 2023

2005 – Success in the removal of gay questions from Life Insurance Applications, which then led to the HIV & Life Insurance Consultation between 2005-2009.

2009 – Being part of the original working group that created and introduced HIV Life Insurance products in the UK

2017 – Co-writing the Updated ABI Consumer Guide for HIV and Life Insurance, which changed the way that HIV Positive consumers were treated by Life Insurers in the UK.

2019 – Unusual Risks survey establishing that 56% of HIV Positive people were still being declined for Life Insurance, this was mainly due to significant other medical conditions. (Co-Risk)

2023 – Success in the Introduction of the new Co-Risk HIV Life Insurance products, for people with HIV and other significant medical conditions

What is “Single Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies Life Insurance cover and have only minor other medical conditions, such as high blood pressure, asthma, high cholesterol, stress, anxiety, depression – we are able to arrange this type of cover for people with the very best premiums and terms available in the market.

What is “Co-Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies for Life Insurance cover and they may have another significant medical condition on their medical history such as Diabetes, Hepatitis, Tuberculosis, Pneumonia, Syphilis.

These in the past would have almost certainly meant they would have been declined for cover.

I’m very proud to have dedicated so far over 24 years of my career to creating change within the Life Insurance Industry and this latest news is the introduction of “Co-Risk Life Insurance”. We can now arrange this type of cover too.

DECLINED FOR COVER?

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever – we have a very good success rate at finding Life Insurance cover for people.

We are now able to insurer people with HIV who have also been diagnosed in the past with Diabetic Type 1, Diabetic Type 2, Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things are now different and we are helping many people who were turned away in the past to find Life Insurance.

Following 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 a basic human right for people, to protect their mortgages, businesses, debts and families.

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 twenty four 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.

Unusual Risks Community Signposts

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 …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=Zyt0He5ST7#?secret=2QzwRAwXGY

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 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 

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, Uncategorized, Unusual Risks | Comments closed

‘Unusual Risks Launch New “Co-Risk” Life Insurance Service For HIV Community’  …

By Chris | Published: February 14, 2023

Unusual Risks, the Specialist Life Insurance Advisers to the HIV Community, are today announcing the introduction of their “Co-Risk” Life Insurance service for people who would have previously been deemed uninsurable by the Life Insurance Industry. Even if people have been declined in the past, they are welcome to contact us about the new products that are now available.

Over the last two years we have been working with Life Insurance Companies to create more accessible products for people living with HIV, specifically for those who have been diagnosed with other “Co-Risk” medical conditions – such as HIV with Hepatitis B, Hepatitis C, Diabetes Type 1, Diabetes Type 2, Syphilis and Tuberculosis – plus a host of other medical conditions.

Speaking about “Co-Risk” Life Insurance, Chris Morgan, Lead Financial Adviser of Unusual Risks said …

“There are a significant number of people living with HIV that have been declined by UK Life Insurance Companies over the last two decades – that we are now able to insurer. We have successfully been securing Life Insurance cover for many groups of people that have been turned away by the insurance industry in the past”.

Chris Continued …

“Many applicants would have been declined for cover, without any reasonable explanation from the companies involved. Which caused significant anxiety and stress, particularly if they were applying for mortgages whilst buying a property or new home. We have been working hard to ensure that these people are no longer excluded by the insurance industry”.

Chris Morgan and Unusual Risks have campaigned on behalf of the HIV Community for over two decades, firstly for the introduction of HIV Life Assurance, followed by the lengthening of policy terms and then, most recently, he reduction of monthly premiums. Their most recent success is securing “Co-Risk” Life Insurance terms for people living with HIV, who also have other significant medical conditions such as Hepatitis, Diabetes, Syphilis and Tuberculosis.

Unusual Risks are very proud to have played the lead role in improving the accessibility of financial products for people with HIV over the last fourteen years and will continue to work on behalf of the community to secure better products. They are now able to guarantee all people living with HIV between the ages of 18 and 64, access to some form of Life Insurance.

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 Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/web www.unusualrisks.co.uk

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, Unusual Risks | Comments closed

HIV & INSURANCE COLUMN – EDITION 25 – HIV & MULTIPLE MEDICAL CONDITIONS (Co-Risk Life Insurance)

By Chris | Published: December 19, 2022

“Things Have Changed – Part Nine” … Commentary by Chris Morgan

What to do if your declined for Life Insurance and have multiple medical conditions?

Many people will be aware that I’ve been consulting with the Life Insurance Industry regarding HIV related matters since 2005. During this last 17 years, I’ve witnessed literally thousands of applications for Life Insurance that have been declined, postponed or accepted with amended terms.

Many of these applications were declined because the person had multiple medical conditions on their file, which meant they were considered too high risk for Life Insurance. Unusual Risks are aware of significant number of people who were declined in the past due to their diagnosis of HIV combined with conditions such as Hepatitis B, Hepatitis C, Diabetes Type 1, Diabetes Type 2, Syphilis or Tuberculosis.

For the last two decades I have been leading a campaign to achieve equality for people living with HIV when they apply for Life Insurance. Finally, we are now able to offer Life Insurance for people with Co-Risk Medical conditions – even if you have multiple medical conditions or have been declined elsewhere before, be sure to try again with us.

Case Example, Vanessa, Age 52, … HIV & Multiple Medical Conditions

Before meeting myself Vanessa had been declined for Life Insurance elsewhere, but did not know the exact reason for this. When we looked into the clients medical history, there were many conditions. but they were all well very managed and also well documented in her medical records. Sometimes we find that insurers don’t read all of the medical facts presented to them and make quick decisions.

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever. We are now able to insurer people with HIV who have also been diagnosed in the past with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other Co-Risk medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser? Things have changed and we can help !

Following 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 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 and we are able to help you to find out the reasons for this and to then approach insurers with whom we have a strong reputation and good relationships.

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.

Unusual Risks Community Signposts

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 …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=YYhrijGL4H#?secret=WshT8nJ0UM

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 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 

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, Uncategorized, Unusual Risks | Comments closed

HIV & INSURANCE COLUMN – EDITION 24 – HIV & MEDICAL CONDITIONS (Co-Risk Life Insurance)

By Chris | Published: December 12, 2022

“Things Have Changed – Part Eight” … Commentary by Chris Morgan

What to do if your declined for Life Insurance and your insurer does not explain their decision?

Many people will be aware that I’ve been consulting with the Life Insurance Industry regarding HIV related matters since 2005. During this last 17 years, I’ve witnessed literally thousands of applications for Life Insurance that have been declined, postponed or accepted with amended terms.

For most of these applications the insurers gave no reasons to the applicant for their actions and decisions and in so many of these cases they caused the applicant stress, anxiety and even depression. This was particularly the case for those people who were taking out mortgages, or were trying to protect their families and loved ones.

For the last two decades I have been leading a campaign to achieve Equality for people living with HIV when they apply for Life Insurance. I’m aware that 56% of people living with HIV, who apply directly for their Life Insurance through Banks, Building Society’s or Mainstream financial advisers, are still declined without any reasonable explanation.

Case Example, Adelaide, Age 49, Healthcare Professional … HIV & Co-Risk Medical Conditions

Before meeting myself Adelaide had no idea why she had been declined for Life Insurance, as the insurer had not communicated their exact reasons. We were able to help her find out the reasons and then appeal and challenge their decision – we have a very good track record of securing Life Insurance for people who have been declined elsewhere.

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever. We are now able to insurer people with HIV who have also been diagnosed in the past with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other Co-Risk medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things have changed and we can help !

Following 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 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 and we are able to help you to find out the reasons for this and to then approach insurers with whom we have a strong reputation and good relationships.

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.

Unusual Risks Community Signposts

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 …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=YYhrijGL4H#?secret=WshT8nJ0UM

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 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 

Posted in HIV Life Assurance, HIV Life Insurance, Uncategorized, Unusual Risks | Comments closed

HIV & INSURANCE COLUMN – EDITION 23 – HIV & HEPATITIS B

By Chris | Published: October 23, 2022

“Things Have Changed – Part Seven” … Commentary by Chris Morgan

What if I was declined for Life Insurance cover years ago because of HIV & Hepatitis B?

Over the last two decades the group of people that have been declined for Life Insurance, more than any group of people – have been those living with both HIV and Hepatitis. When HIV Life Insurance came to market in 2009, this was one group that continued to be specifically excluded by the Insurance Industry.

Even to this day I still have no reasonable explanation as to why this is the case – fast forward to September 2022 and I’m able announce that things have changed. Most of my time in lockdown throughout the pandemic, I spent talking to Life Insurers and Re-Insurers in an effort to find an answer to this problem.

We are are now getting Life Insurance terms for people living with HIV and Hepatitis B and Hepatitis C, along with a host of other medical conditions. This is great news because even if people have been declined for cover in the past, we can now get Life Insurance terms to protect their mortgages and families.

Case Example, Bessie, Age 56, Nurse … HIV & Hepatitis B

Bessie’s case is very similar to the previous one reported about John, as she had been declined by her bank in the past and had almost given up on getting cover. We are pleased that she decided to try again because this time we were able to find Life Insurance terms for her – protecting her mortgage and family. Things have certainly changed for the better.

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever. We are now able to insurer people with HIV who have also been diagnosed in the past with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things have changed and we can help !

Following 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 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.

Unusual Risks Community Signposts

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 …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=Zyt0He5ST7#?secret=2QzwRAwXGY

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 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 

Posted in Hepatitis B Life Assurannce, Hepatitis B Life Insurance, Hepatitis C Life Assurance, Hepatitis C Life Insurance, HIV Life Assurance, HIV Life Insurance, Uncategorized, Unusual Risks | Comments closed

HIV & INSURANCE COLUMN – EDITION 22 – HIV & TYPE 2 DIABETIC

By Chris | Published: October 3, 2022

“Things Have Changed – Part Six” … Commentary by Chris Morgan

What if I was declined for Life Insurance cover years ago because of HIV & Diabetese?

Over the last thirteen years, since the launch of Life Insurance for people with HIV (2009) its been impossible to arrange Life Insurance for people with other medical conditions alongside. Over the last two years I invested a lot of time talking to Insurance providers and Re-Insurers about “Co-Risk”.

This is where someone living with HIV also has or has had another significant medical condition. Until recently it has been impossible to get Life Insurance for people also living with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STI’s, Syphilis, Anemia and Diabetese.

All of these groups of people have been denied Life Insurance over the last 20 years, but things have changed recently. We are very pleased to announce that we are now getting life insurance terms for these groups of people and if you have been declined for cover in the past you should contact us.

Case Example, John, Age 59, Mental Heath Practitioner … HIV & Diabetes Type 2

James approached us after being declined by his bank for Life Insurance to go alongside his mortgage. At the time this caused him some worries and distress, because he wanted to make sure his house purchase went as smoothly as possible. We were able to find him cover which was inclusive of both his HIV & Diabetes medical conditions, which made sure he was able to complete his mortgage.

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever. We are now able to insurer people with HIV who have also been diagnosed in the past with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things have changed and we can help !

Following 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 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.

Unusual Risks Community Signposts

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 …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=Zyt0He5ST7#?secret=2QzwRAwXGY

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 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 

Posted in Hepatitis B Life Assurannce, Hepatitis B Life Insurance, Hepatitis C Life Assurance, Hepatitis C Life Insurance, HIV Finance, HIV Life Assurance, HIV Life Insurance, Uncategorized, Unusual Risks | Comments closed

Press Release: ‘HIV Life Assurance Survey 2022 – Increased Cover For Existing Policy Holders Through Unusual Risks’ …

By Chris | Published: September 5, 2022

Unusual Risks, financial advisers to the HIV Community are today announcing part two of the results of their HIV Life Insurance Survey. During the last two years they increased the sums assured of existing clients by 112%, where they preferred to increase their cover instead of taking a 40% premium reduction.

The new products are only available through a broker such as Unusual Risks and are not available through Banks and Mainstream Insurers. When price checked against the major banks and insurers, the majority of them are charging double or triple those premiums being charged within the new products available through Unusual Risks.

Speaking about their survey, Chris Morgan, Lead Financial Adviser of Unusual Risks Said;

“The new generation of products mean that anyone that is living with HIV who took their policy before March 2018 should review their current arrangements, especially if there existing cover is with Zurich, Vitality, Liverpool Victoria, Legal & General, Exeter Friendly or Aviva. Those policy holders are likely to be overpaying and should seek advice on the current market rates”.

Chris Continued ..

“Each year Unusual Risks track the average sum assured of HIV life Insurance and they have seen an increase in the amounts of cover being taken by people living with HIV. The average annual figure is currently £227,223, which is double historic figures around from 10 years ago – this in mainly due to the improved pricing of products available”.

Chris Morgan and Unusual Risks have campaigned on behalf of the HIV Community for over two decades, firstly for the introduction of HIV Life Assurance, followed by the lengthening of policy terms and then most recently the reduction of monthly premiums. They are still currently able to place Life Insurance for people living with HIV at competitive premiums.

Unusual Risks are very proud to have played the lead role in improving the accessibility of financial products for people with HIV over the last decade and will continue to work on behalf of the community to secure better products. They are now able to guarantee all people living with HIV between the ages of 18 and 64 access to some form of Life Insurance.

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 Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/web www.unusualrisks.co.uk

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Uncategorized, Unusual Risks | Comments closed

HIV & INSURANCE COLUMN – EDITION 21 – HIV & HEPATITIS LIFE INSURANCE

By Chris | Published: August 25, 2022

“Things Have Changed – Part Five” … Commentary by Chris Morgan

What if I was declined for Life Insurance cover years ago because of HIV & Hepatitis B?

As a result of our “Things Have Changed” campaign we are getting more and more people coming back to us who were declined for Life Insurance over the last 13 years. Mostly people who are living with HIV and had also been diagnosed either Hepatitis B or Hepatitis C.

This Co-Risk area is something I have worked at very hard to resolve with insurers over the last two years. My initial focus was to encourage them to cover people with HIV and Hepatitis – but lots of good changes have come from this also with other medical conditions.

I’m pleased to say we are now finding Life Insurance for many people who were declined over the last 13 years, if this was you – then don’t hold back things have changed – call us to see what is now possible for people with HIV and other medical conditions.

Case Example, Betty, Age 47, Healthcare Support Worker … HIV & Hepatitis

Betty has been declined for Life Insurance over 10 years ago and recently found out through her clinic that Unusual Risks were now able to get cover for people who had been diagnosed with both HIV and Hepatitis. She was very emotional when she found out that she could finally cover her mortgage and protect her family and children.

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever. We are now able to insurer people with HIV who have also been diagnosed in the past with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things have changed and we can help !

Following 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 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.

Unusual Risks Community Signposts

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 …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=1QxvBTY6R8

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 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 

Posted in Diversity Awards, HIV Finance, HIV Life Assurance, HIV Life Insurance, Unusual Risks | Comments closed

HIV & INSURANCE COLUMN – EDITION 20 – HIV & MEDICAL CONDITIONS LIFE INSURANCE

By Chris | Published: August 8, 2022

“Things Have Changed – Part Four” … Commentary by Chris Morgan

Where Can I find the best Life Insurance Cover if I’m Living With HIV?

One of the key parts of my job is to research and appraise the market on a regular basis and for the last 13 years since life insurance products were introduced for people living with HIV, I’ve been working to get the very best premiums and terms for my clients – consulting daily with insurers and helping them to improve their products.

I’m aware that there is currently an 86% chance of someone living with HIV meeting a product provider that is not currently offering the fairest terms for their situation. Since the pandemic many of the major Life Insurance companies and High Street Banks are charging between double and three times the fairest Life Insurance premiums for people living with HIV since the pandemic.

Unusual Risks are always aware of where the best premiums and terms that are currently being offered and have products providers that are not available to you directly or through banks. Unusual Risks are also specialists at successfully finding Life Insurance cover for people who have been declined elsewhere.

Case Example, Alice, Age 47, Accounts Supervisor … HIV & Benign Growth

Alice approached us for Life Insurance after being rejected by several banks and direct life insurers. They declined her for Life insurance due to her having a Benign Enchondroma under her finger nail. This situation had caused severe stress for Alice as she was trying to complete a house purchase. After some careful research we were able to find cover for Alice with a more “Friendly Insurer”.

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever. We are now able to insurer people with HIV who have also been diagnosed in the past with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things have changed and we can help !

Following 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 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.

Unusual Risks Community Signposts

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 …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=1QxvBTY6R8

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 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 

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Uncategorized, Unusual Risks | Comments closed

HIV & INSURANCE COLUMN – EDITION 19 – HIV & HEPATITIS LIFE INSURANCE

By Chris | Published: August 8, 2022

“Things Have Changed – Part Three” … Commentary by Chris Morgan

What can I do if I’m Living With HIV and have been declined for Life Insurance before?

Throughout my career I have met literally hundreds of people living with HIV, who have been declined for Life Insurance by either their High Street Bank or a Life Insurance Company. Currently we are aware that a minimum of 56% of applications are being declined, many without any reasonable explanations given to applicants.

We actually believe that the overall figure is more likely to be 70% at this moment in time, which means I’m meeting many people who have been affected by decisions like these every week. The most important part of my job is to relieve any stress and anxiety this may have caused for my client and then represent them in successfully finding Life Insurance cover.

Unusual Risks have been working extremely hard following the pandemic to create new opportunities for all people living with HIV, who may have been declined for cover in the past. We have a very high success rate of finding cover for people who have been declined for cover elsewhere.

Case Example, David, Age 38, Software Developer … HIV & Hepatitis B

David approached us for Life Insurance after being declined by his High Street Bank and also a major Life Insurance Company. The reason they rejected his application was because he had a historic diagnosis of Hepatitis B on his medical record. We were able to assist David and introduced him to a more “friendly insurer”.

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever. We are now able to insurer people with HIV who have also been diagnosed in the past with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things have changed and we can help !

Following 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 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.

Unusual Risks Community Signposts

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 …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=1QxvBTY6R8

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 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 

Posted in Hepatitis C Life Assurance, HIV Finance, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Uncategorized, Unusual Risks | Comments closed