HIV LIFE INSURANCE & HIV LIFE ASSURANCE – Syphilis & STI’s & Other Medical Conditions

HIV & Syphilis

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

How can people living with HIV find the fairest premiums and terms for their Life Insurance?

During the last 13 years there have been many changes to the pricing and terms offered to people living with HIV for their Life Insurance. The onset of the COVID Pandemic in 2020, meant there were even more serious changes to the premiums being charged and the quality of the terms being offered by insurers.

We are aware that only 22% of Life Insurance Companies are currently offering Life Insurance products to people with HIV on the very fairest terms. Also only 16% of Banks are currently offering the fairest terms to people living with HIV. This means that there is up to an 88% chance of a consumer not receiving the fairest terms for HIV Life Insurance.

Many of the companies involved are charging between double and three times the fairest premiums for exactly the same product. Unusual Risks are working extremely hard to make sure that all those living with HIV receive the fairest premiums and terms for their Life Insurance.

You can find the full article “HIV & Syphilis” by clicking here

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 Magazinand 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: Web: 

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