Category Archives: Income Protection

“Talking HIV” – HIV & Insurance Workshop – George House Trust

Celebrating 25 years in 2025 with Positive Finance Editor Chris Morgan Financial Adviser, Chris Morgan of Unusual Risks is celebrating advising HIV positive clients in various forms for “25 years in 2025”, with a series of HIV & Insurance Workshops. The first of which will be “Talking HIV” with George House Trust on Saturday 1st March. […]

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

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 […]

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

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 […]

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

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 […]

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

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 […]

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

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 […]

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

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, […]

HIV & LIFE INSURANCE & HIV LIFE ASSURANCE – Hepatitis B & Hepatitis C

HIV & Hepatitis “Things Have Changed – Part One” … Commentary by Chris Morgan How many people living with HIV are being declined for Life Insurance currently? Over the past 13 years I’ve met hundreds of people living with HIV who have been turned down for Life Insurance by the UK Financial Services Industry. The […]

HIV Life Insurance & HIV Life Assurance – Product Provider Survey … June 2020

News from our friends at Unusual Risks … Over the last 10 weeks it has become apparent that many Life Insurance Companies are restricting the availability of Life Insurance to people living with HIV. This means that many people are being declined for insurance cover through “Mainstream” brokers, life insurers, banks and building societies, who […]

The Return of Positive Finance Edition 4 – HIV Life Insurance, Life Assurance, Income Protection, Critical Illness Cover …

“Specialist Knowledge” By Chris Morgan  Ever since I became an Independent Financial Adviser in 1999, I’ve tried to use my specialist knowledge of the LGBT and HIV Communities to benefit those that may feel excluded by the Insurance Industry from protecting their basic financial needs.  My first campaign was related to the treatment of gay […]