We're the experts helping Australians living with complex health conditions, hard-to-insure occupations or using assisted reproductive strategies, to get their life insurances sorted

Live the unusual Life logo or unusualrisks com au

Welcome to Unusual Risks Insured

We exist to close the protection gap and make Life Insurances available to more people,
especially those who were previously excluded.

$ 87003000

Amount of Speciality Life Insurance in place

for people living with HIV, Diabetes, & other hard-to-insure health conditions

$ 9905000

Amount of Speciality Income Protection in place

bringing certainty, stability and equality to people's lives

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

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The following article sets out how we handle your personal identifiable information if you’re a Joomla51 user or visitor to our site. Data protection is of a particularly high priority for Joomla51 and it is important to us that you understand how we collect, use, and maintain your information.

By using the Joomla51 website, or using any Joomla51 products/services, you are agreeing to the terms of this Privacy Policy (last updated on May 26th, 2018)

What personal information do we collect from you when visiting our website?

Personal Information: At the time of registration a user will requested to submit the following information: full name, email address, username, a valid password, registration date, last visit date, purchase history, and IP address. Joomla51 only asks you to disclose as much information as is necessary to provide you with service requested by you or to submit a question/suggestion/comment in relation to our website. Your information helps us to more effectively respond to your customer service requests and support needs.

Payment Information: When you provide your payment information, it's directly transmitted to our payment processors, PayPal, Stripe or 2Checkout. They use and process your payment information in accordance with their privacy policy. We at no point store your payment information.

Anonymous Information: We may also collect details of your visits to our site (including, but not limited to, traffic data, location data, weblogs and other communication data), and the resources that you access. When you access our website, your computer’s browser provides us with information such as your IP address, browser type, access time and referring URL which is collected and used to compile statistical data on the use of our website. This information may be used to help us to improve our site and the services we offer.

What purposes your data are used for?

With the data stored on our site, we identify you as our customer/subscriber/patron and deliver products/notices and other marketing materials. As a visitor, you aren’t allowed to purchase any product or subscribe to newsletter or make a comment anonymously. So, these data are the only means to identify you and allow you to make these actions on our site.

The email address you provide for order processing, will only be used to send you information and updates pertaining to your order. You will occasionally receive newsletters regarding new products, services, coupons and promotions provided by Joomla51.

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information.

How long do we retain your information?

Information collected when you register with Joomla51 or subscribe to Joomla51 services is retained for as long you do not delete the account.

What policy do we have for children’s personal information?

Joomla51 does not knowingly collect any personal information from children under the age of 13. If you are under the age of 13, please do not submit any personal information through our Service. If we obtain actual knowledge that any personal information about a child under the age of 13 was collected, that information will be immediately removed without any notice. By using this site, you agree that you are at least 13 years old.

How you can review, update, get a copy or delete your data?

At any point you can review and update your personal information stored directly through our site. To review or edit your information, login to our site and and navigate to ‘My Downloads’ -> ‘My Profile’. If you want to delete your information, send an email to including your Joomla51 username and we will do so with immediate effect.

Individual Case Studies

images/case-studies-faces/case-study-Simon-and-Jordan-close-mates-who-PrEP-unusual-risks-insured.jpg#joomlaImage://local-images/case-studies-faces/case-study-Simon-and-Jordan-close-mates-who-PrEP-unusual-risks-insured.jpg?width=400&height=400

Meet Simon & Jordan

Close mates who use PrEP

images/case-studies-faces/case-study-lisas-partner-diabetes-unusual-risks-insured.jpg#joomlaImage://local-images/case-studies-faces/case-study-lisas-partner-diabetes-unusual-risks-insured.jpg?width=400&height=400

Meet Lisa

She's a procurement manager for a busy national corporate and there's nothing she can't find when she puts her mind to it

images/case-studies-faces/case-study-terry-family-tatoos-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-terry-family-tatoos-unusual-risks-inusured.jpg?width=400&height=400

Meet Terry, his young family & tattoos

The Unexpected things of life, tattoos & travel and saving for a home deposit.

images/case-studies-faces/case-study-ramesh-positive-energetic-and-living-with-a-kidney-transplant-unusual-risks-insured.jpg#joomlaImage://local-images/case-studies-faces/case-study-ramesh-positive-energetic-and-living-with-a-kidney-transplant-unusual-risks-insured.jpg?width=400&height=400

Meet Ramesh, positive, energetic & living with a kidney transplant

Accident Only Insurance options

images/case-studies-faces/case-study-chris-and-mirko-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-chris-and-mirko-unusual-risks-inusured.jpg?width=400&height=400

Meet Chris & Mirko

- growing their family through Co-parenting

images/case-studies-faces/case-study-Ethan-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-Ethan-unusual-risks-inusured.jpg?width=400&height=400

Meet Ethan, single sensible & dating

;)

images/case-studies-faces/case-study-George-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-George-unusual-risks-inusured.jpg?width=400&height=400

Meet George

- an experienced logistics manager

images/case-studies-faces/case-study-jennifer-and-amber-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-jennifer-and-amber-unusual-risks-inusured.jpg?width=400&height=400

Meet Jennifer & Amber

- climbed the corporate ladder in a busy city law firm

images/case-studies-faces/case-study-john-and-david-family-tatoos-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-john-and-david-family-tatoos-unusual-risks-inusured.jpg?width=400&height=400

Meet John & David new home buyers

- and living with HIV

images/case-studies-faces/case-study-Naomi-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-Naomi-unusual-risks-inusured.jpg?width=400&height=400

Meet Naomi

- nurse, single and super mum

images/case-studies-faces/case-study-ricki-and-devesh-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-ricki-and-devesh-unusual-risks-inusured.jpg?width=400&height=400

Meet Rick & Devesh

- new Dads-to-Be through Surrogacy & IVF

images/case-studies-faces/case-study-tina-and-garry-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-tina-and-garry-unusual-risks-inusured.jpg?width=400&height=400

Meet Tina & Garry, a serodiscordant couple

- and proud new parents of a baby boy

Our Specialty Services Include

Services

Browse Our Blog

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Whoever you Love, however you Identify, regardless of any Gender you may (or may not) identify with, everyone is Welcome Here!

Watch our Fun Explainer Videos

Explainer Video Dave life of the party - Unusual Risks Insured

Dave | Life of the Party

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Explainer Video George, how much insurance is enough - Unusual Risks Insured

George| Experienced Logistics Manager

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Explainer Video Modern Families - Unusual Risks Insured

Modern Family Insurances

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Explainer Video Naomi, needlestick insurance - Unusual Risks Insured

Naomi | Nursing, needlestick & sharps injuries

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About Us

Unusual Risks Insured provides support to those people who big insurance companies leave behind. We believe in giving every person the power to use life insurance products to protect & provide for their loved ones, their businesses, and their legacy — free from barriers of stigma and discrimination.

We know, as an LGBTQIA+ person (or someone who goes without labels entirely), you probably have specific financial advice, life insurance, and privacy needs.

  • We're committed to serving the LGBTQIA+ Community and its Allies.
  • For us, it's about change leadership and #AdviceEquality.

Why not make us part of your story, so if the unexpected happens to you or whoever is family to you, you'll have a backup plan in place to help you financially recover and life can still get better for somebody you love.

#LoveTakesAction  #AdviceEquality  #PrideInAdvice

contact drew browne advisor Unusual Risks Insured and Sapience Financial

Drew Browne, Senior Advisor

Contact Us

Working Online & serving Australia Wide
from George St Sydney, NSW, Australia.
[ Gadigal Land ] & [ Darug Country ]

Say Hello! unusualrisks.com.au

Phone: 1300 137 403
Send a Message here

Get Advice-on-Demand via
email | phone | video | face-to-face

Everyone is Welcome Here!
#AdviceEquality

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