Business Details
Specialist Financial Advisers for HIV & Complex Medical Conditions
Unusual Risks is a specialist financial advisory firm dedicated to providing tailored insurance and mortgage solutions for individuals living with HIV and complex pre-existing medical conditions. With over two decades of experience, we have established partnerships with leading UK insurance providers to secure competitive terms for life insurance, income protection, and critical illness cover. Our team prioritises accessibility, ensuring clients receive financial advice at no upfront cost through product-based commissions.We actively support the HIV community through educational initiatives and workshops, led by our founder Chris Morgan, who has contributed to prominent publications and advocacy efforts. Our FCA-authorised services combine market expertise with a commitment to empowering clients to protect their financial futures.
Services
Life Insurance
Income Protection
Critical Illness Cover
HIV Life Insurance
Mortgages
HIV Life Assurance
Hepatitis Insurance
Diabetes Insurance
Financial Advice
Educational Workshops
Highlights and features
- FCA-authorised specialists with expertise in HIV and complex medical conditions
- Access to all major UK life insurance providers for competitive terms
- No upfront fees for life insurance and protection product advice
- Pioneers in educational initiatives supporting the HIV community
- Personalised financial planning tailored to individual health circumstances
Associations and certifications
- Financial Conduct Authority
Services
Life Insurance
We arrange comprehensive life insurance policies tailored for individuals with HIV and complex medical conditions. Our services ensure financial protection for dependents, with access to major insurers and competitive premiums. Policies are designed to provide peace of mind through structured coverage.
Mortgage Advice
Specialist mortgage advice for clients with complex health profiles, including buy-to-let options. We offer transparent fee structures and work with lenders to secure suitable financing solutions. Our FCA-regulated services ensure compliance and client-focused outcomes.
Income Protection
Income protection policies safeguard against financial hardship due to illness or disability. We tailor coverage to individual circumstances, ensuring ongoing financial stability. Our advisers secure policies with leading providers to meet specific client needs.
Educational Workshops
We deliver workshops on financial planning for HIV-positive individuals and healthcare professionals. These sessions provide actionable insights into insurance and long-term financial security. Led by industry expert Chris Morgan, they combine education with community support.
Critical Illness Cover
Critical illness cover provides financial support upon diagnosis of specified conditions. We facilitate access to policies accommodating pre-existing health challenges. Our approach ensures clear terms and competitive pricing for enhanced client accessibility.
People
Chris Morgan
Founder & Financial Adviser
With over 20 years of experience, Chris Morgan specialises in financial solutions for the HIV community. He has contributed to leading publications and developed educational programs to improve financial literacy among healthcare professionals and patients.
Questions
Can I get life insurance if I have HIV?
Yes, Unusual Risks specialises in arranging life insurance policies for individuals living with HIV through partnerships with major UK insurers.
Are your financial advice services regulated?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) for life insurance and protection products.
Do you charge fees for life insurance advice?
No, we do not charge upfront fees for life insurance advice as compensation is included within the product terms.
What areas do you serve?
We provide services nationwide across the UK, with a focus on supporting the HIV community and healthcare professionals.
How do mortgage advice fees work?
Mortgage advice fees range from £1295–£1495, depending on the complexity of the application and lender commissions received.
Do you offer educational resources for the HIV community?
Yes, we conduct workshops and publish articles to educate HIV-positive individuals and healthcare workers about financial planning options.
