Business Details
Specialist Financial Advisers for HIV & Complex Medical Conditions
Unusual Risks has established itself as the UK's leading specialist financial adviser for individuals seeking life insurance, life assurance, and mortgages despite living with HIV or complex pre-existing medical conditions. Our expertise extends to Hepatitis B, Hepatitis C, Tuberculosis, and Diabetes (Type 1 and Type 2), with access to all major household-name life insurance companies plus alternative options for those typically excluded. We operate under the principle that everyone deserves basic financial protection for their family and mortgage obligations. With Chris Morgan's two decades of industry experience and contributions to publications like Gay Times and Pink Paper, we combine deep technical knowledge with practical client-focused solutions.Our educational programs for healthcare professionals and peer mentors demonstrate our commitment to advancing financial literacy within the HIV community. As an FCA-authorised firm, we maintain rigorous compliance standards while offering fee-free life insurance advice through commission-based models. Our mortgage advisory services operate transparently with clearly defined fees, and we maintain formal complaint resolution procedures aligned with Financial Ombudsman Service guidelines.
Services
Life Insurance
Income Protection
Critical Illness Cover
HIV Insurance Workshops
Mortgage Advice
Highlights and features
- We specialise in life insurance solutions for people living with HIV
- We access all major UK life insurance providers plus alternative options
- Our mortgage advisory fees are transparently structured between 1,2951,495
- We provide free financial advice through commission-based life insurance products
- Our educational programs support HIV community financial literacy
Associations and certifications
- Financial Conduct Authority
Services
Life Insurance
We provide life insurance solutions for individuals with HIV and complex medical conditions. Our service accesses major insurers and alternative providers to secure competitive premiums. Clients receive tailored protection plans ensuring financial security for dependants.
Income Protection
Our income protection policies offer financial security during prolonged illness or disability. We specialise in cases with pre-existing conditions, ensuring comprehensive coverage options. Policies are tailored to individual circumstances and employment status.
Critical Illness Cover
We arrange critical illness cover for clients with complex medical histories. Our market-wide research identifies insurers accepting applications with pre-existing conditions. Coverage provides lump sum payments for specified serious illnesses.
HIV Insurance Workshops
Our educational workshops deliver financial literacy programs for HIV professionals and support workers. Led by Chris Morgan, sessions cover insurance options and financial planning for long-term security. Materials include current case studies and practical guidance.
Mortgage Advice
We offer specialist mortgage advice for individuals with complex health profiles. Our regulated services include buy-to-let options with transparent fee structures. We help clients navigate mortgage applications with tailored financial solutions.
People
Chris Morgan
Financial Adviser & Columnist
With two decades of HIV insurance expertise, Chris Morgan leads our educational programs and client advisory services. He contributes to industry publications and conducts nationwide workshops on financial planning for the HIV community.
Questions
Do you offer life insurance for people with HIV?
Yes, we specialise in life insurance solutions for individuals living with HIV, working with major insurers and alternative providers to secure appropriate coverage.
How do you find the best insurance terms?
We conduct comprehensive market research for every client, comparing offerings from all major UK insurers to secure the most competitive premiums available.
Are there fees for life insurance advice?
No, our life insurance advice is provided at no upfront cost through commission-based arrangements with insurance providers.
What mortgage advice fees apply?
Mortgage advice fees range from £1,295 to £1,495, determined by application complexity and lender commission received upon completion.
What complaint resolution processes exist?
We have formal complaint procedures available on request. Unresolved issues may be referred to the Financial Ombudsman Service for independent review.
