Adviser Career Biography – Chris Morgan

Adviser Career Biography – Chris Morgan, FPC, CeMap, CeRER 

“The UK’s most experienced specialist Financial Adviser, advising people Living with HIV and those with Complex Medical Situations on Life Insurance Products” …

Chris Morgan is the Lead Financial Adviser at Unusual Risks the medical Financial Advisers, with over 30 years experience in Banking, Financial, Insurance and Mortgage Industries. He has worked for three major banks in his career – Lloyds, HSBC and Barclays.

He is the former resident financial adviser for Barclays Regent Street, Liberty’s and Mayfair group of branches and been an Independent Financial Adviser since March 1999, when he created his own advisory practice Compass in Soho London.

Gay Community

In March 1999 he opened the “Gay” Financial services firm Compass and began a decade long campaign for equal treatment of Gay men within Life Insurance products, for which the formal consultation concluded in 2005.

He is the person responsible for the removal of the “Gay Question” within Life Insurance applications in the United Kingdom and in 2005 and achieving equality for gay men within the UK Life Insurance Industry.

HIV Community

He also led the campaign to secure Life Insurance for people living with HIV from 1999 to 2009, which culminated in the introduction of Life Insurance products for the HIV Community within the UK in 2009.

He was a consultant to the Association of British Insurers, medical underwriting committee from 2003 to 2016, during which time he co-wrote their HIV and Insurance Guidelines for Insurers and their Consumer Guide HIV and Life Insurance.

Chris is still campaigning on behalf of the HIV Community to secure Income Protection and Critical Illness Cover that is still unavailable. You can read the HIV and Life Insurance Consumer Guide by using this link.

Chris regularly undertakes appearances and speaking engagements throughout the UK. In 2017 and 2018 he toured the UK with his HIV Finance Workshops. He is due to tour again in 2021 with his new HIV & Insurance Workshop.

The all new HIV Insurance Workshop Tour will have with fresh content and venues throughout the UK. If you would be your Charity, Organisation or Patients group to be included on the Tour please contact us at

Major Awards

Chris is a former Barclays Young Business Person of the year and a finalist in the Financial Times FT Adviser, Mortgage Adviser of the Year. He has also been a nominee at the European Diversity Awards for his campaigning work within human rights on behalf of the Gay and HIV Communities.

Media Career

Chris is one of the most consumer and media friendly financial advisers in the UK and has made many television appearances including GMTV presented by Lorraine Kelly, Simply Money on Sky Digital presented by Angela Rippon and The Money Channel presented by Gavin Campbell as their resident Financial Adviser.

Gay Community Media

He has worked with many titles within the Gay Community including, Gay Times, Pink Paper, Attitude Magazine, AXM Magazine, Bent Magazine, Out in the City, Boyz Magazine,, QX Magazine, Rainbow Network, Gay Star News Fyne Times and G Scene.

HIV Community Media

Chris has also contributed financial content and written resident columns for many HIV publications and organisations, including Terrence Higgins Trust. NAM Aidsmap, National AIDs Trust., Baseline Magazine, Positive Nation and Mambo Magazine.

Mainstream Media

He has contributed many features and interviews for consumer facing radio and media titles such as BBC Radio, Guardian Money, The Independent, The Financial Times, The Observer, Evening Standard, Money Observer, Real Money, The Telegraph, The Times and Time Out.

Financial Industry Media

He has also worked with many leading financial industry titles such as Cover Magazine, FT Adviser, Money Marketing, Mortgage Finance Gazette, Mortgage Introducer, Mortgage Strategy and Professional Adviser.

Experience and Knowledge

Chris Morgan is the UK’s most experienced Financial Adviser in regards to Insurance and Protection products for people living with complex medical conditions. He continues to use his knowledge and skills to make certain his clients are treated fairly by Insurance Companies in the UK.

No financial adviser in the UK has more knowledge of HIV Life Assurance, Income Protection and Critical Illness Cover matters than Chris Morgan. He has been advising clients living with HIV for over 20 years and was the person responsible for securing Life Insurance for the HIV Community.

Chris Morgan can be contacted via Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075.  or by email at or visiting Unusual Risks online at