Category Archives: HIV Life Assurance

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

HIV & Hepatitis “Things Have Changed – Part Five” … Commentary by Chris Morgan What if I was declined for Life Insurance cover years ago because of HIV & Hepatitis? As a result of our “Things Have Changed” campaign we are getting more and more people coming back to us who were declined for Life […]

HIV LIFE INSURANCE & HIV LIFE ASSURANCE – Tuberculosis, Pneumonia, Anaemia and other medical conditions.

HIV & Medical Conditions “Things Have Changed – Part Four” … Commentary by Chris Morgan Where Can I find the best Life Insurance Cover if I’m Living With HIV? One of the key parts of my job is to research and appraise the market on a regular basis and for the last 13 years, since […]

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

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 […]

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. […]

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 […]

Press Release: “HIV Life Insurance Survey 2022 – Premium Reductions For Existing Policy Holders Through Unusual Risks”

News From Our Friends at Unusual Risks … Our sponsors Unusual Risks, financial advisers to the HIV Community have recently announcing part one of the results of their HIV Life Insurance Survey. During the last two years they have saved existing HIV Life Insurance policy holders an average of 40% on their premiums. This is […]

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 […]

HIV Life Assurance & HIV Life Insurance – Average Sum Assured 2020

Our friends at Unusual Risks, Financial Advisers to the HIV Community have today published the results of their annual research into the Average Sum Assured of Life Assurance that HIV Positive men and women are insuring themselves for. Currently HIV Positive people who are taking out Life Assurance in the UK are insuring themselves for […]

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 […]

The Return of Positive Finance Edition 3 – HIV Life Insurance, HIV Life Assurance, Income Protection, Critical Illness Cover …

“Multiple Disclosures” By Chris Morgan One of the biggest concerns that I hear time and time again from consumers looking for HIV Life Assurance and HIV Life Insurance, is about the handling of their medical information. We meet many people who prefer to speak with just one insurance broker instead of twenty Life Insurance companies. […]