HIV Life Insurance, Critical Illness Cover, Income Protection Guide – “Best Premium Comparison”

Our partners Unusual Risks the Medical Financial Advisers and their lead financial adviser Chris Morgan having been serving the HIV Community for over 20 years. During this time Chris was the person that campaigned and secured Life Insurance products for people living with HIV …..

Best Premium Comparison

Over the last decade there have been several “generations” of HIV Life Insurance products, with the latest being the fairest and best premiums ever available to the consumer. The 10th Anniversary of HIV life Insurance has seen the introduction of many new products and providers.

These changes have been wonderful for the HIV community in general, however it has become apparent that many people are still simply buying the wrong product or being recommended the wrong product by mainstreams brokers, who do not know about this complicated subject.

The Cost of Getting the Wrong Product

They have met scores of clients recently who have been offered either the wrong product by their financial adviser, or have approached the wrong company themselves for Insurance. You have a 1 in 20 chance of finding the best product, so why on earth would you not take advice from the HIV Communities leading specialist financial adviser?

Their latest “Premium Comparison” survey takes into account all Insurance Comparison websites, Banks Building Societies and Insurance Companies. With one recent client case the difference between the cheapest and most expensive premiums equated to a huge 371% difference for a client applying for £230,000 of cover, was quoted at being between £33 and £123 per month.

Unsuitable Providers & Products

They have also seen a trend of clients who have tried to apply to companies directly, who do not even offer Life Insurance, Income Protection* or Critical Illness Cover* for people living with HIV – which is a huge waste of time for all parties involved.

It simply does not make sense trying to find Life Insurance Cover yourself, when you can secure the lowest Life Insurance premiums through a specialist HIV Insurance Broker with over 20 years experience in looking after people living with HIV.

No financial adviser in the UK has more knowledge of HIV Life Assurance, Income Protection and Critical Illness Cover than Chris Morgan their lead financial adviser. Unusual Risks are the UK’s most experienced financial advisers looking after people living with HIV.

You views Chris Morgan’s Full Career Biography here …

Unusual Risks our sponsors 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 or visit us online at

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