Positive Finance – HIV Finance News 6 – HIV Life Insurance, HIV Income Protection, HIV Critical Illness Cover …

By chris | Published: November 29, 2024

Positive Finance, The UK’s online HIV Finance Magazine have recently been looking into medical reports and confidentiality and discovered this article at the Unusual Risks Blog.

How to protect your confidentiality when taking out Life Insurance? By Chris Morgan

“Over the last 25 years whilst advising Insurance clients living with HIV, one of the most frequently asked questions has been about protecting their confidentiality. Many people approach me with concerns about making disclosures whilst taking out Life Insurance through their bank, building society or financial adviser.”

You can read the full article about HIV Life Insurance here https://unusual-risks.co.uk/?p=1687

Positive Finance Magazine will be regularly running features on the new Life Insurance, Income Protection & Critical Illness Cover products for people living with HIV – guiding you to the very best specialist advice on these matters.

You can find more articles on HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover at Unusual Risks Blog here https://unusual-risks.co.uk/

Positive Finance Magazine, UK’s HIV Finance Magazine was first published in 1999 and first started publishing articles in the HIV press in 2000. Our editor Chris Morgan has written for many publications including AXM Magazine, Positive Nation, Baseline Magazine, Attitude, Pink Paper & Gay Times.

Positive Finance – HIV Finance News 5 – HIV Life Insurance, HIV Income Protection, HIV Critical Illness Cover …

By chris | Published: November 5, 2024

Positive Finance, The UK’s online HIV Finance Magazine have recently been looking into finding the best HIV Insurance products and discovered this article at the Unusual Risks Blog.

How do you know you are being offered the best Insurance products for your requirements?

“There are a number of ways you can gauge which is the best Insurance policy for your needs. The premium and cost of the Insurance is obviously a key part of the criteria when selecting cover. Alongside deciding which features and benefits are best for you including Life Insurance and cover for Long Term Illness”.

You can read the full article about HIV Life Insurance here https://unusual-risks.co.uk/?p=1685

Positive Finance Magazine will be regularly running features on the new Life Insurance, Income Protection & Critical Illness Cover products for people living with HIV – guiding you to the very best specialist advice on these matters.

You can find more articles on HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover at Unusual Risks Blog here https://unusual-risks.co.uk/

Positive Finance Magazine, UK’s HIV Finance Magazine was first published in 1999 and first started publishing articles in the HIV press in 2000. Our editor Chris Morgan has written for many publications including AXM Magazine, Positive Nation, Baseline Magazine, Attitude, Pink Paper & Gay Times.

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Positive Finance – HIV Finance News 4 – HIV Life Insurance, HIV Income Protection, HIV Critical Illness Cover …

By chris | Published: October 30, 2024

Positive Finance, The UK’s online HIV Finance Magazine have recently been looking at the availability of life insurance for HIV Positive people and discovered this article at the Unusual Risks Blog.

Recent news from Unusual Risks “Average Sum Assured of HIV Life Insurance Increases”…

“Unusual Risks, the Specialist Life Insurance Advisers to the HIV Community, are today announcing the results of their latest survey. Currently the Average Sum Assured is £257,963, which shows that people with HIV are protecting their families, mortgages, properties and businesses for amounts greater than before”.

You can read the full article about HIV Life Insurance here https://unusual-risks.co.uk/?p=1716

Positive Finance Magazine will be regularly running features on the new Life Insurance, Income Protection & Critical Illness Cover products for people living with HIV – guiding you to the very best specialist advice on these matters.

You can find more articles on HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover at Unusual Risks Blog here https://unusual-risks.co.uk/

Positive Finance Magazine, UK’s HIV Finance Magazine was first published in 1999 and first started publishing articles in the HIV press in 2000. Our editor Chris Morgan has written for many publications including AXM Magazine, Positive Nation, Baseline Magazine, Attitude, Pink Paper & Gay Times.

Positive Finance – HIV Finance News 3 – HIV Life Insurance, HIV Income Protection, HIV Critical Illness Cover …

By chris | Published: October 28, 2024

Positive Finance, The UK’s online HIV Finance Magazine have recently been looking into “HIV Inclusive” Insurance policies and discovered this article at the Unusual Risks Blog.

How Do You Know If Your Insurance Policy Is Fully Inclusive For HIV? By Chris Morgan

“Over the last 25 years, one of the issues that I’ve insisted on “no compromise” from the insurance industry is the inclusivity of HIV within Life Insurance and Long Term Illness Cover. The insurance industry have spent years excluding people with HIV from taking Life Insurance & Long Term Illness Cover”.

You can read the full article about HIV Life Insurance here https://unusual-risks.co.uk/?p=1683

Positive Finance Magazine will be regularly running features on the new Life Insurance, Income Protection & Critical Illness Cover products for people living with HIV – guiding you to the very best specialist advice on these matters.

You can find more articles on HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover at Unusual Risks Blog here https://unusual-risks.co.uk/

Positive Finance Magazine, UK’s HIV Finance Magazine was first published in 1999 and first started publishing articles in the HIV press in 2000. Our editor Chris Morgan has written for many publications including AXM Magazine, Positive Nation, Baseline Magazine, Attitude, Pink Paper & Gay Times.

Positive Finance – HIV Finance News 2 – HIV Life Insurance, HIV Income Protection, HIV Critical Illness Cover …

By chris | Published: October 15, 2024

Positive Finance, The UK’s online HIV Finance Magazine have recently been looking HIV Friendly Insurance Companies and discovered this article at the Unusual Risks Blog.

Is there such a thing as a HIV Friendly Insurance Company?

“My product research list very much tells a story of HIV “friendly” and HIV “unfriendly” insurers. I have all of the main insurance groups ranked based upon premiums, service standard, underwriting outcomes and any practices that are particularly “unfriendly” towards people living with HIV“.

You can read the full article about HIV Life Insurance here https://unusual-risks.co.uk/?p=1665

Positive Finance Magazine will be regularly running features on the new Life Insurance, Income Protection & Critical Illness Cover products for people living with HIV – guiding you to the very best specialist advice on these matters.

You can find more articles on HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover at Unusual Risks Blog here https://unusual-risks.co.uk/

Positive Finance Magazine, UK’s HIV Finance Magazine was first published in 1999 and first started publishing articles in the HIV press in 2000. Our editor Chris Morgan has written for many publications including AXM Magazine, Positive Nation, Baseline Magazine, Attitude, Pink Paper & Gay Times.

Positive Finance – HIV Finance News 1 – HIV Life Insurance, HIV Income Protection, HIV Critical Illness Cover …

By chris | Published: October 15, 2024

Positive Finance, The UK’s online HIV Finance Magazine have recently been looking at the availability of life insurance for HIV Positive people and discovered this article at the Unusual Risks Blog.

According to Unusual Risks ‘Only 37% of HIV Positive People Have Life Insurance‘.

“Unusual Risks, the Specialist Life Insurance Advisers to the HIV Community, are today announcing the results of their latest survey. Currently only 37% of HIV Positive people have life insurance, covering their families, homes, mortgages and businesses”.

You can read the full article about HIV Life Insurance here https://unusual-risks.co.uk/?p=1636

Positive Finance Magazine will be regularly running features on the new Life Insurance, Income Protection & Critical Illness Cover products for people living with HIV – guiding you to the very best specialist advice on these matters.

You can find more articles on HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover at Unusual Risks Blog here https://unusual-risks.co.uk/

Positive Finance Magazine, UK’s HIV Finance Magazine was first published in 1999 and first started publishing articles in the HIV press in 2000. Our editor Chris Morgan has written for many publications including AXM Magazine, Positive Nation, Baseline Magazine, Attitude, Pink Paper & Gay Times.

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

By chris | Published: February 14, 2023

Our friends at 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.

Our Friends at 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

HIV LIFE INSURANCE & MULTIPLE MEDICAL CONDITIONS (Co-Risk Life Insurance)

By chris | Published: December 19, 2022

HIV & MEDICAL CONDITIONS (Co-Risk Life Insurance)

“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.

You can find the full article “HIV & Medical Conditions” by clicking here http://unusual-risks.co.uk/?p=1516

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 

HIV LIFE INSURANCE & HIV LIFE ASSURANCE – MEDICAL CONDITIONS

By chris | Published: December 12, 2022

HIV & MEDICAL CONDITIONS (Co-Risk Life Insurance)

“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.

You can find the full article “HIV & Medical Conditions” by clicking here http://unusual-risks.co.uk/?p=1516

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 

HIV LIFE INSURANCE & HIV LIFE ASSURANCE – HIV & HEPATITIS B

By chris | Published: October 23, 2022

HIV & Hepatitis B

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

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

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.

You can find the full article “HIV & Hepatitis B” by clicking here http://unusual-risks.co.uk/?p=1491

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