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

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Online Pre‑assessment

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


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

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

Love protects a family

More LGBTQIA+ singles and couples are adding children – and the related extra expenses – to their households with about 11% of Australian gay men and 33% of lesbians raising children.

These diverse Australian families are often navigating jumbo mortgages, concerns about school bullying, religious discrimination, spending their money with purpose and creating safety and community for their kids.

A big part of parenting is safely solving problems. As families expand, there are usually a few key financial details to put in place;

  • A top priority for a growing family is protecting your income, which covers you in the event something happens that prevents you from working.
  • The next step is usually establishing life insurance and disability cover sufficient to pay out all debts (and future debts and mortgages) and provide for living expenses and could even go towards University fees should you not be around.

While you might already have some compulsory level of insurance through your work or a super fund, which is a good start, it’s usually only a token amount and doesn't provide a family with the full coverage you need.

Several of our LGBTQIA+ clients have children and none of them have said any of them were 'unexpected'. Drew Browne, Financial Adviser Unusual Risks Insured

Why LGBTI parents need specialist financial advice

The world looks different today for many LGBTQIA+ families who face a wide array of issues that don't affect our heterosexual counterparts.

  • Many people in the LGBTQIA+ community have to choose their family, when their own biological family may not be the most welcoming.
  • While these options offer same-sex couples more choices in their pursuit of a family, they can be expensive and need additional planning and protection.
  • Even though marriage equality is now law in Australia, we still need to consider there may be a lot of family dynamics going on with family members who may not accept them, or adoptions by non-biological parents.
  • LGBTQIA+ people are much more likely than the general population to say that they need to gain more knowledge in order to tackle their financial goals. Many don't feel fully prepared because they don't know their options, don’t know how best to evaluate their options or don’t know how to get started.

Learn what's right for you

If you’re parenting, it's time to learn all about your family's options and then what needs to happen to protect a fabulous future together.

  • And while you're getting sorted, make sure you have a family backup plan in place, have updated the documents in your families estate plan to make sure nobody is left out, and confirm you have the right 'beneficiary details' listed in your super funds and life insurance policies and check your current 'Power of Attorney' is up to date and stored safely, just in case.

We’d love to help you with all of that too.

Despite now having full marriage equality, the LGBTQIA+ community has a lot of ground to make up when it comes to succeeding financially.

We need to stay informed and help each other succeed. Collectively, we can be the village that raises our children, ultimately helping every child grow up in a safer, more inclusive world.

Other considerations:

  • Are you co-parenting and need to protect children from a biological family and chosen family equally? Let us help you with that.
  • Parenting means needing to regularly review and update your Power of Attorney, Wills, Responsible Person nominations and other necessary key legal family documents.  We can help you with those too, and the strategy and the products to bring it all together.
  • Are you running a family business? You probably have additional business risks to manage and need to protect your family from your business's financial risks. Let us help you with that.

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

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Everyone is Welcome Here!

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