“Unusual Risks Launch New HIV Inclusive Insurance Products” …

By chris | Published: April 22, 2025

“Our friends at Unusual Risk have recently launched new Insurance products for people living with HIV. They now offer HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover – read more in their press release featured below” …

*** New HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover ***

Unusual Risks the specialist Insurance Advisers to the HIV Community are today delighted to announce their new “HIV Inclusive” product range, which for the first time includes Long Term Life Insurance, Income Protection & Critical Illness Cover.

Until now very few Insurance options have been available to the HIV community, particularly for people seeking HIV Income Protection and HIV Critical Illness Cover. Where options have existed previously, they have carried discriminatory exclusions for HIV and any related conditions.

Speaking about the new HIV Inclusive products, Chris Morgan, Lead Financial Adviser of Unusual Risks said …

“We have also recently introduced new Insurance products for HIV positive clients with options including longer Term Life Insurance and cover for Long Term Illness. We are now able to offer life insurance for a 30 year term or in some cases longer, whereas in the past policy terms have been restricted to only 10, 15 or 20 years”

Chris Continued …

“For the first time in 15 years we are able to offer a full range of HIV Inclusive protection products, with Life Insurance and Income Protection options now available to clients. We are also assessing client requirements for new Critical Illness Cover options. These products are a major breakthrough to people living with HIV in the uk”

“Declined For Cover Elsewhere?”

Unusual Risks are experts at assisting people find Life Insurance, Income Protection and Critical Illness Cover where they are living with HIV. Even if you have been declined elsewhere before, by your bank, building society or financial adviser we will be able to assist you in finding protection for your mortgage, family or business.

Chris Morgan and Unusual Risks have campaigned on behalf of the HIV Community for 25 years, firstly for the introduction of HIV Life Assurance, followed by the lengthening of policy terms and then, most recently, the introduction of Income Protection and Critical Illness Cover.

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 fifteen years and will continue to work on behalf of the community to secure better products.

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 25 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.

For more information about HIV Insurance, Mortgage 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

Positive Finance – HIV Finance News 8 – HIV Life Insurance, HIV Income Protection, HIV Critical Illness Cover …

By chris | Published: February 24, 2025

“Celebrating 25 years in 2025 – Part 2″ – The History” – Chris Morgan

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

In 2025 I’m celebrating advising people living with HIV on financial issues for 25 years. Initially this was through my first resident column in AXM Magazine the gay men’s health magazine in the year 2000, which featured many finance issues for people living with HIV.

Since then many people will have seen my HIV financial columns in publications such as Pink Paper, Gay Times, Attitude Magazine, Positive Nation & Baseline Magazine. These magazines along with national press such as the Guardian and Independent all contributed to the campaign to secure Life Insurance for those living with HIV.

“Income Protection & Critical Illness Cover”

“It has taken until 2025 for Insurance Companies to realise that people living with HIV can be insurable for Income Protection and Critical Illness Cover, even though our survey through Baseline in 2015 proved that HIV Positive people took less time off work sick, than people who were not HIV positive.”

You can read the full article about HIV Life Insurance here https://unusual-risks.co.uk/?p=1744

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 7 – HIV Life Insurance, HIV Income Protection, HIV Critical Illness Cover …

By chris | Published: February 24, 2025

“Celebrating 25 years in 2025 – Part 1″ – The History” – Chris Morgan

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

In 2025 I’m celebrating advising people living with HIV on financial issues for 25 years. Initially this was through my first resident column in AXM Magazine the gay men’s health magazine in the year 2000, which featured many finance issues for people living with HIV.

Since then many people will have seen my HIV financial columns in publications such as Pink Paper, Gay Times, Attitude Magazine, Positive Nation & Baseline Magazine. These magazines along with national press such as the Guardian and Independent all contributed to the campaign to secure Life Insurance for those living with HIV.

“Long Term Life Insurance“

“Although it was a big breakthrough in 2009 for Life Insurance to become possible for people with HIV it was still frustrating for policies to be limited to 10, 15 and 20 year terms. It has been only recently that longer term Life Insurance for 30 years and longer has become possible for HIV Positive applicants”.

You can read the full article about HIV Life Insurance here https://unusual-risks.co.uk/?p=1732

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.

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

By chris | Published: January 21, 2025

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.

His first advice column appeared in the gay men’s health magazine AXM in year 2000 and featured many advice issues for people living with HIV. He has since also written HIV financial columns for publications such as Pink Paper, Gay Times, Attitude Magazine, Positive Nation & Baseline Magazine.

In 2025 Chris will be hosting a series of “HIV & Insurance” online workshops featuring the new financial opportunities now available for HIV positive people. The HIV & Insurance Workshops return in 2025 with valuable information about the availability of Life Insurance, Income Protection & Critical Illness Cover for people living with HIV.

HIV & Insurance – Workshop Agenda

Introduction “25 in 2025”
HIV Life Insurance
Co – Risk Life Insurance
HIV Income Protection
HIV Critical Illness Cover
IPP V CIC? – Which is best?
Declined For Cover?
Questions & Answers

We are very proud to announce the first of these online workshops will be in collaboration with George House Trust on Saturday 1st of March from 1pm to 3pm

To book your place and to receive your invite for this free online workshop visit George House Trust events calender https://ght.org.uk/events/3105

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.