Specialist Financial Protection for those You Love

Specialist Financial Protection for those You Love

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.

$ 67003000

Amount of Speciality Life Insurance in place

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

$ 9205000

Amount of Speciality Income Protection in place

bringing certainty, stability and equality to people's lives

Take Our Anonymous
Online Pre‑assessment

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


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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 LGBTQIA+ community, there's really no such thing as average.

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

Balancing flexibility with personal responsibility

As a single LGBTQIA+ person, the additional flexibility in your lifestyle also comes with a greater degree of personal financial responsibility and the need to rely upon yourself. Wisdom and maturity are available at any age and have little to do with our 'clock age'.

  • Single people are keenly aware of the risk of becoming sick or even disabled.
  • Being single and self-reliant means you generally have to save more in your emergency savings fund, be careful with your long term health and have a higher amount of disability insurance in case you get sick or injured and can't work temporarily or lose your ability to earn your income long-term.
  • For many single LGBTQIA+ Australians, there’s often no financial backup and usually diminished family support; so staying healthy and independent, and able to continue to earn your income is something you cannot afford to lose.
Being single can bring a level of freedom that needs a greater level of protection.

Why LGBTQIA+ single people need specialist financial advice

  • As a community that still has more single people than coupled, we are more vulnerable to the financial risks that losing our ability to earn our income brings.
  • For many people in the LGBTQIA+ community who are single, unmarried or unpartnered, longer-term financial stability and security can be a source of anxiety.

If you’re single and LGBTQIA+ it's time to learn more about your options today and then take action to protect what you cannot afford to lose - your ability to continue to earn your income.

Other considerations:

  • Are you Single in Business? You probably have additional business risks to manage. Let us help you with that.
  • Are you planning IVF or surrogacy? You probably have some longer-term planning ahead. Let us help you protect that too.
  • Do you need to get your Power of Attorney documents and your Will sorted? Let us help you get your estate planning started too.

What's your situation?
Because everyone's circumstances are different today…
  • Single — Single Again, Currently Single, Loving Single
  • Partnered — Together, Together-living-apart, Married, Defacto or Poly
  • Parenting — Parenting Solo, Co-parenting, Partnered and Parenting.

Where to Now?
Continue your journey…


Individual Case Studies


Meet Simon & Jordan

Close mates who use PrEP


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


Meet Terry, his young family & tattoos

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


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

Accident Only Insurance options


Meet Chris & Mirko

- growing their family through Co-parenting


Meet Ethan, single sensible & dating



Meet George

- an experienced logistics manager


Meet Jennifer & Amber

- climbed the corporate ladder in a busy city law firm


Meet John & David new home buyers

- and living with HIV


Meet Naomi

- nurse, single and super mum


Meet Rick & Devesh

- new Dads-to-Be through Surrogacy & IVF


Meet Tina & Garry, a serodiscordant couple

- and proud new parents of a baby boy

Our Specialty Services Include


Browse Our Blog

Go there!

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!

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