About Us

Unusual Risks are the UK’s leading specialist financial adviser arranging HIV Life Insurance, HIV Life Assurance and Mortgages for people living with HIV. We also arrange Life Insurance for people living with complex pre-existing medical conditions such as Hepatitis B, Hepatitis C, Tuberculosis and Diabetes (Type 1 and Type 2) 

We have access to all of the “Household Name” Life Insurance Companies that you will know, plus also a host of other options that may be open to people who may not normally be able to obtain Life Insurance. We believe that everyone should be entitled to protect their Mortgage and Family for at least a basic level of Life Insurance or Life Assurance.

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HIV & Insurance Column

Chris Morgan has written columns and provided content for many publications over the last two decades including Baseline Magazine, Positive Nation, Mambo Magazine, Gay Times and Pink Paper. 

His HIV & Insurance column is now published at the Unusual Risks News Blog With up to date case examples added on a regular basis. For all of the latest news, commentary, press releases, case examples, testimonials, & research.


Our Products

Unusual Risks are financial advisers who are able to arrange Life Insurance, Income Protection and Critical Illness Cover with all of the major Insurance Companies in the UK. We research the “Whole of Market” for every client we advise, ensuring that we secure the very best terms and most competitive premiums available in the market. 

We do not charge any specific up-front fee for arranging Life Insurance products, as you are entitled to receive Financial Advice at the point of sale within the products that we offer. Most Life Insurance Companies make a provision within their products for you to receive financial advice via a financial adviser.

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HIV & Insurance Tour

Unusual Risks have a long history of supporting worthy causes within the HIV community. Currently we are doing this through our educational program for professionals, nurses, support workers and peer mentors – which is aimed at encouraging people with HIV to look after their financial future. 

Chris Morgan is once again touring with "HIV & Insurance" Workshop, which has fresh new content and information about Insurance Products for the HIV Community. 

Previously, he toured with his “HIV & Finance” Workshop fulfilling speaking engagements across the UK. If you would like to book him for a HIV & Insurance Workshop for your charity, clinic or organisation he can be contacted at enquiries@unusualrisks.co.uk



Authorised and regulated by The Financial Conduct Authority. We do not charge fees for arranging Life Insurance, Life Assurance, Income Protection or Critical Illness Cover products. Most product provider remunerate financial advisers in the form of commissions. 

Please note most Buy to Let mortgages are not regulated by The Financial Conduct Authority. Fees will apply for mortgage advice. We charge a set fee of between £1295 and £1495 payable on application, dependent on the amount of work involved, the type of mortgage you are applying for and any commission we receive from the lender on completion of your mortgage. Please contact us for a specific quotation. Our Complaint Handling procedures are available on request. If you have reasons to raise a concern please contact us on 0845 474 3075 or by email enquiries@unusualrisks.co.uk . If we are unable to resolve an issue to your satisfaction, you may be able to refer the matter to the Financial Ombudsman Service. More information is available on request or by visiting www.financial-ombudsman.org.uk You can read our privacy policy by clicking here.