{"id":1851,"date":"2025-10-27T07:21:37","date_gmt":"2025-10-27T07:21:37","guid":{"rendered":"https:\/\/unusual-risks.co.uk\/?p=1851"},"modified":"2026-04-15T09:02:34","modified_gmt":"2026-04-15T09:02:34","slug":"25-years-in-2025-hiv-life-insurance-autumn-2025","status":"publish","type":"post","link":"https:\/\/unusual-risks.co.uk\/?p=1851","title":{"rendered":"25 Years in 2025 \u2013 HIV Life Insurance – Autumn 2025"},"content":{"rendered":"\n

“25 in 2025 <\/strong>–The D Word – HIV Life Insurance”?<\/strong> By Chris Morgan<\/strong> <\/p>\n\n\n\n

To make an appointment with Chris Morgan about HIV Life Ins<\/em>urance or HIV Life Assurance you can email him at Enquiries@unusualrisks.co.uk<\/a><\/strong><\/em><\/p>\n\n\n\n

This is my 25th year in 2025<\/strong> offering financial advice to people with HIV and I’ve met lots of people in that time who have felt discrimination at the hands of the insurance industry. You will read in my previous columns that over the last 25 years I’m the financial adviser that decided to do something to help people living with HIV and fight against Discrimination.<\/strong><\/p>\n\n\n\n

After 25 years, I’m still Determined <\/strong>as ever to help people avoid and overcome Declined<\/strong> Life Insurance applications. Not all Life Insurance Companies are the same, some are open minded with regards to HIV and some others are still not – let me help you find the companies that are HIV Friendly. <\/p>\n\n\n\n

For some people applying for Life Insurance can turn into a complicated undertaking, with underwriting criteria currently proving difficult for people living with HIV. Applications that are declined for no apparent reason can leave customer feeling frustrated and Discriminated<\/strong> against.<\/p>\n\n\n\n

\u201cUp to 50% of applicants are declined by some Banks, Building Societies, Estate Agents and Mortgage Lenders for HIV life Insurance” …<\/strong><\/p>\n\n\n\n

Co-Risk v Single Risk<\/strong><\/p>\n\n\n\n

In particular I help those with 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.<\/p>\n\n\n\n

Declined Elsewhere<\/strong><\/p>\n\n\n\n

It’s normally these pre-existing medical conditions, along with issues around BMI (bodyweight), blood pressure, high cholesterol, kidney function and liver function that can lead to cases 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.<\/p>\n\n\n\n

Product Features<\/strong><\/p>\n\n\n\n

We 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.<\/p>\n\n\n\n

Common Uses For Life Insurance <\/strong><\/p>\n\n\n\n

Protecting your Family, Covering your Mortgage, or Key Person (Business Insurance)<\/p>\n\n\n\n

Who are Chris Morgan & Unusual Risks?<\/strong><\/p>\n\n\n\n

We are the UK\u2019s 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.<\/p>\n\n\n\n

He was responsible for the removal of the \u201cGay Question\u201d 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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

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 Magazin<\/em><\/strong>e and Pink Paper.<\/strong><\/em><\/p>\n\n\n\n

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<\/a> Web: www.unusualrisks.co.uk<\/a><\/strong><\/em><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

“25 in 2025 –The D Word – HIV Life Insurance”? By Chris Morgan To make an appointment with Chris Morgan about HIV Life Insurance or HIV Life Assurance you can email him at Enquiries@unusualrisks.co.uk This is my 25th year in 2025 offering financial advice to people with HIV and I’ve met lots of people in […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,12,4,1,2],"tags":[],"class_list":["post-1851","post","type-post","status-publish","format-standard","hentry","category-hiv-life-assurance","category-hiv-life-insurance","category-hiv-mortgages","category-uncategorized","category-unusual-risks"],"_links":{"self":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/1851","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1851"}],"version-history":[{"count":11,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/1851\/revisions"}],"predecessor-version":[{"id":1969,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/1851\/revisions\/1969"}],"wp:attachment":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1851"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1851"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1851"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}