two proud young men of differing ethnic appearance holding their first sonogram phone of therei soon to be born child by surrogacy

Ricki and Devesh are a same-sex couple who first met at University and later married after the Australian Marriage Equality plebiscite in December 2013. Ricki is a Florist and Devesh is an Account Manager for a pharmaceutical company.

For years they wondered if it was ever going to be possible for them to start a family together. They learned all about the Australian foster care system and adoption and even looked at expensive overseas options too.

After months of sleepless nights, endless conversations, and an exhausting search for what felt like the best thing for them, they both settled on the idea of growing their family through altruistic surrogacy in Australia.

Wanting a biological child of their own

Ultimately both Ricki and Devesh decided they wanted to have a child who was 'biologically' their own.

  • Ricki and Devesh’s mutual friend Lillian had a girlfriend Jane, who already had two of her own children, still loved the idea of being pregnant but not the reality of adding a third child to her family.
  • Together, Ricki and Devesh came to an agreement with Jane for her to become their surrogate and use IVF to begin their own biologically related family, together.

The next few months were a blur of appointments with Fertility Counselors, IVF treatments and cycles, genetic tests, couples counseling, and what seemed like a mountain of legal paperwork.

Working with the right Financial Adviser

when to arrange intended parent and surrogacy insurance thumbnailWhen it came to Ricki & Devesh getting Life Insurances in place to protect themselves and their Surrogate, their Fertility Counsellor recommended a confidential chat with unsuaulrisks.com.au who specialise in complex insurance situations.

Deciding upon who the biological father would be?

For Ricki and Devesh, deciding which of them would be the biological father was fairly simple. Of the two, Rickie is far more attached to the notion of his child being biologically related to him, while Devesh is just simply excited by the prospect of becoming a ‘Dad’, especially if the baby has a biological connection to his husband.

How do you say thank you for an unrepayable gift?

Now Ricki regularly sends Jane (what is often described as ‘an entire florist shop in a delivery van’) thank you flowers.  They're all excitedly looking forward to the arrival of their new child - made possible through IVF and the incredible love and generosity of a new family friend who agreed to become their Surrogate.

Download our free eGuide:
When to arrange Intended Parent and IVF Surrogate Life Insurances chart

Where to Now?
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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

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Drew Browne, Senior Advisor

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