Are you HIV Positive? …. Looking For Financial Advice or Life Insurance Advice?

Unusual Risks are specialist financial advisers, that offer Mortgage and Life Insurance advice for HIV Positive clients. We offer a safe environment for people to discuss their private financial affairs, without fear of discrimination.

We have an unrivalled track record in securing equal rights for HIV positive people, within the UK financial services industry. Our lead financial adviser Chris Morgan, represents HIV Positive consumers, within the Industry working group that creates the “Best Practice” guidance for Insurance companies.

He was also responsible for the introduction of Life Insurance for people living with HIV and he is UK’s most knowledgeable financial adviser for HIV Life Assurance and HIV Mortgages. His commitment to offering financial advice to the HIV Communities has been unwavering for almost two decades.

We are sometimes asked … Why are Financial Advisers still needed in the HIV Community? 


Some of our clients find it difficult to disclose their HIV status to their bank, building society or local financial adviser. They feel safer and more comfortable disclosing what they consider to be private affairs, to a specialist financial adviser. We take client privacy extremely seriously! 


Sometimes we still hear stories of “changing attitudes” from bank staff, building societies and financial advisers once our client had disclosed their HIV status. You wouldn’t think that in 2016 that this would still happen in society, but sadly it still does. If you ever feel discriminated against when taking a financial product, we are here to help and represent you!


We often meet clients who wish to take out a mortgage or life insurance with their partner and are worried that their family, bank manager or doctor finding out about their private and confidential information. We are here to represent HIV Positive people and to help protect your personal identity!


Nobody in the United Kingdom has more knowledge than Chris Morgan and Unusual Risks at advising people living with HIV about their finances. People with HIV have specialist financial needs and most financial advisers do not have the knowledge to give the best advice possible to someone who is HIV Positive. They are here to help you find the best financial products and look after your financial future!

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email or visit us online at

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