HIV & Hepatitis

“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.

You can find the full article “HIV & Hepatitis” 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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