Category Archives: HIV Mortgages

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

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 […]

HIV LIFE INSURANCE & HIV LIFE ASSURANCE – MEDICAL CONDITIONS

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. […]

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

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 – […]

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 […]

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. […]

The Return of Positive Finance Edition 2 – HIV Life Insurance, Income Protection, Critical Illness Cover …

“Privacy & Disclosure”! by Chris Morgan Life Insurance was introduced for people living with HIV over a decade ago and as mentioned in my previous column, the Insurance Industry is still yet to offer Income Protection and Critical Illness Cover. Our friends at Unusual Risks are at the forefront of campaigning for change in this […]

The Return of Positive Finance Edition 1 – HIV Life Insurance, Life Assurance, Critical Illness Cover, Income Protection.

“A Decade Is Long Enough!” By Chris Morgan I still get many comments about how my regular weekly and monthly resident columns are missed from Pink Paper, Positive Finance and Baseline Magazines. I’ve been writing for national press and media regarding LGBT and HIV financial issues for 20 years, which is of course as long […]

HIV Life Insurance, Critical Illness Cover, Income Protection Guide – “Better Than Best Advice”

Our partners Unusual Risks the Medical Financial Advisers and their lead financial adviser Chris Morgan having been serving the HIV Community for over 20 years. During this time Chris was the person that campaigned and secured Life Insurance products for people living with HIV ….. Better Than Best Advice “Better than best advice” is where […]

HIV Life Insurance, Critical Illness Cover, Income Protection Guide – “Best Premium Comparison”

Our partners Unusual Risks the Medical Financial Advisers and their lead financial adviser Chris Morgan having been serving the HIV Community for over 20 years. During this time Chris was the person that campaigned and secured Life Insurance products for people living with HIV ….. Best Premium Comparison Over the last decade there have been several […]