About Us

Gerald Morgan, (FPC, CEMAP)

Practice Principal – Advice & Underwriting

Gerald is a fully qualified financial adviser and has been looking after the Mortgage and Insurance needs of clients for nearly twenty years. During this time he has advised countless clients with ‘pre-existing medical conditions’, helping them to secure Life Assurance and Mortgage products with minimal intrusive underwriting.

Chris Morgan, (FPC, CEMAP)

Practice Manager –Marketing & Research

Chris has been a leading activist around insurance issues for over sixteen years, during which time he has been a consultant to the Association of British Insurers (ABI) around HIV issues for over five year’s. He co-wrote their HIV & Insurance guidelines which oversee the way that HIV Positive People are treated by the Insurance Industry.

He led a 10 year campaign to secure Life Assurance for people living with HIV and in 2009 was successful in persuading the UK Insurance Industry to introduce HIV Life Assurance. He has recently re-joined the ABI HIV and Insurance Working group and agreed to write a consumer guide to run alongside the latest version of the Industries HIV and Insurance Guiding Principles.

Chris is a former Financial Adviser of the Year, Barclays Young Business Person of the Year and finalist in the FT Adviser Mortgage Adviser of the Year contest. He was recently shortlisted at The European Diversity Awards for Barclays Campaigner of Year. This is for his work campaigning for the rights of LGBT and HIV Positive people within the UK Financial Services Industry.

He is the UK’s leading financial experts, offering advice to LGBT and Alternative Families on Mortgages and Insurance products.



Authorised and regulated by The Financial Conduct Authorityy. 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 £595 and £995 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