Specialist
Financial Protection
for those you love

We're the experts in helping Australian's
living with complex health conditions or
hard to insure occupations
get their life insurances sorted.

 

We've helped establish over $42,000,000
of life insurances for Australians living with HIV, Diabetes and other hard to insure health conditions.

We help protect over $3,800,000 of annual incomes, bringing equality to personal insurance
with every new client.

 



Take Our Anonymous Online Pre‑assessment

Find out in 60 seconds if your personal situation is one we can work with.

Take Our Pre-assessment

Take Our Anonymous Pre-assessment

When it comes to the LGBTI community, there's really no such thing as average

Wherever you are on your life journey

When it comes to the LGBTI community, there's really no such thing as average; there's just way too much diversity among us for that.

That said, we've found three different life stages are shared by many.

If you're Single, Partnered or Parenting, we can help you better understand your options and help you make some fabulous decisions.

Whatever your situation, we can help you

  • Single

    Age is no indicator of relationship status or financial responsibility.

    • You can be young and starting out or older and established; and both enjoying living the single life.
    • You might be single, single again, sometimes single, single with kids, single with pets or perhaps something a little more complicated.

    When it comes to being single in the LGBTI community, there's really no such thing as average.

    And it's your single life, so live it your way.

    Read more...
  • Partnered

    Sharing life and love with someone can be twice as exciting.

    • You might be partnered, partnered with pets, officially de facto, officially married (yay!), splitting expenses but sharing life, or joining incomes and combining financial lives too.
    • You might be together but living apart, working towards a future with kids, thinking about fostering, adopting, IVF or surrogacy; or perhaps something a little more complicated.

    When it comes to being partnered in the LGBTI community, there's really no such thing as average.

    There's no right or wrong way to live a purposeful life, just what works for you both.

    Read more...
  • Parenting

    For today's LBGTI families, there are no accidental families.

    • You might be parenting and single with kids, parenting solo with kids, parenting and partnered with kids, (yours, theirs and ours), dual parents with kids, co-parents, foster parents, adoptive parents, or even adoptive parents of kids with additional needs (just beautiful!).
    • You might be a lesbian co-parenting couple or super involved Guncles or Aunties. You might not even identify with the broader LGBTI community but find yourself a parent in a same-sex relationship, or perhaps something a little more complicated.

    When it comes to parenting in the LGBTI community, there's really no such thing as average.

    However you're doing it, Love makes a family.

    Read more...

We Can Help You With

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How to get life insurance if you have diabetes

How to get life insurance if you have diabetes

Managing diabetes can be a challenge: getting life insurance at the same time can feel overwhelming.

Diabetes is Australias fastest growing chronic health condition with 280 Australians developing this condition every day. (Thats one person every five minutes)

People living with a pre-existing health condition like diabetes, statistically speaking have a higher risk of needing to make a claim on their personal insurance policy. 

Add to this constantly changing assessment standards for getting insurance cover, and finding a life insurance specialist who understand your situation can feel near impossible

Welcome to Unusual Risks Insured - we get it.

Read more
Straight and living with HIV?

Straight and living with HIV?

Straight and living with HIV? It's becoming more common than you'd think

The typical straight guy (or girl) next door who is just living with a chronic health condition called HIV, is increasing

HIV is not a top of mind conversation starter for most straight guys and girls so many straight people believe HIV is not a health issue for the straight community; but they would be very mistaken.

  • In Western Australia during 2020, more straight men were diagnosed with HIV than gay men.
  • Despite new HIV numbers declining nationally for more than a decade, the number of straight men contracting the sexually transmitted HIV virus is on the rise.
Read more