Monthly Archives: September 2025

Unusual Risk are the UK’s leading specialists for HIV Life Insurance, HIV Life Assurance and HIV Income Protection. We have been serving the LGBT+ and HIV Communities since 1999.

Our Lead Financial Adviser, Chris Morgan led a decade long campaign for the introduction of HIV Life Assurance and HIV Life Insurance for people living with HIV in the UK.

He was a consultant to the Association of British Insurers for over five years and served on their HIV Life Insurance Working Group – which led to the introduction of Life Insurance in the UK.

In 2017 Chris rejoined the ABI working group, assisting them with their latest Best Practice guidelines and agreeing to write a new HIV and Life Insurance consumer guide.

More recently Chris has been working towards equality for People Living with HIV with regards to Income Protection and HIV Critical Illness Cover.

Visit his news blog regularly for more news about these products. Read Chris’s Career Biography at for more information about his career achievements and commitment to the HIV Community.

“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 programme for professionals, nurses, support workers and peer mentors – which is aimed at encouraging people with HIV to look after their financial future.

Chris touring again with the “HIV & Insurance” Community Workshops, which have new content and information about Insurance Products for the HIV Community.

In 2018 Chris Morgan toured the UK with his “HIV & Finance” workshops fulfilling speaking engagements in Birmingham, Blackpool, Brighton, Bristol, Cardiff, Leeds, London, Manchester and Nottingham.

If you would like to book Chris Morgan for public speaking about HIV & Finance or arrange a HIV & Insurance Workshop for your charity or organisation.

Contact him at enquiries@unusualrisks.co.uk

“JOIN OUR DISTRIBUTION LIST”

You can also find printed copies of our News Bulletin at the offices of Terrence Higgins Trust and George House Trust, along with many other and organisations across the UK.

This is a commitment we made to the HIV Community after Baseline and Positive Nation Magazines ceased publishing.

If you read this publication and would like to add your organisation to our distribution list, please email us at enquiries@unusualrisks.co.uk or call 0845 474 3075

REGULATORY STATEMENT 

Authorised and regulated by The Financial Conduct Authority Mortgages and Insurance.

Unusual Risks are introducer’s to Absolute Financial Management Ltd for Pension business and Investment business..

We do not charge a fee for arranging Life Insurance and Income Protection business, as we receive a commission from the product provider.

Fees will apply for mortgage advice (NOT LIFE ASSURANCE ADVICE)

Please note most Buy to Let mortgages are not regulated by The Financial Conduct Authority

For mortgages we charge a fee of between £995 and £1295 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