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.

$ 63000000

Amount of Speciality Life Insurance in place

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

$ 8700000

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


pre assessment online Unusual Risks Insured

when there is no average situation, person or circumstance unusual risks insured Australia

Wherever you are on your life journey

When it comes to the LGBTQIA+ 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 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.

about IVF & Surrogacy

  • Can I insure a surrogate living in Australia who doesnt have their permanent residency status?

    Can I insure a surrogate who is living in Australia but who may not yet have permanent residency status?

    Yes, but the cover may be limited to within Australia only until the permanent residency is achieved and the policy terms and conditions are updated to reflect this.

  • Does my surrogate need to have a face-to-face meeting with an adviser to get insurance in place?

    Does my surrogate need to have a face-to-face meeting with an adviser to get insurance in place?

    No. Surrogates do not need to meet for a face to face meeting with us. We use modern business systems so we can work with our clients remotely over email, phone or video chat - whatever is best for them.

  • Is having a Genetic Test a problem when applying for Life Insurances?

    Is having a Genetic Test a problem when applying for Life Insurances?


    Some people may have been put off from having a genetic test and missing a diagnosis and possible treatment for serious illnesses, such as cancer, because of concerns the results of the test may exclude them from obtaining insurance cover.
    Life insurers are currently banned from requiring applicants for insurance to disclose the results of any genetic tests they may have and this ban will last until June 30th 2024 when it will be reviewed.

  • Is your surrogacy life insurance service confidential?

    Is your surrogacy life insurance service confidential?

    Our highly confidential service is the reason why most people with complex health conditions and high privacy needs only use the experts behind Unusual Risks Insured.

  • What is the insurance Duty of Disclosure?

    What is the insurance Duty of Disclosure?

    Under the duty of disclosure, a person applying for insurance must disclose relevant information to the insurer before a contract is entered into.

    A person applying for insurance must:

    fully and completely answer all the questions on the proposal form
    answer questions asking for detailed information precisely, and
    include additional information if a ‘tick the box’ question does not offer an answer that applies to the person’s situation

  • When should I start the insurance application for my surrogate?

    When should I start the insurance application for my Surrogates insurance policy?

    Everyone's personal situation is different so getting a life insurance policy in place can sometimes be unexpectedly complicated by delays in collecting historical health information. 

    As a result we always recommend applying for cover at least 6 months before the medical procedures for the pregnancy have begun, to allow for assessments and unexpected delays in collecting past medical histories etc.

Individual Case Studies

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


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

Browse Our Blog

Go there!

Reduce Your Risk of Type 2 Diabetes - Move More, Eat Mindfully, Stay Hydrated

Read More

Are you newly diagnosed with diabetes?

Read More

Did you know where you first began treatments matters to a life insurance company

Read More

Happy Sydney Mardi Gras 2023!

Read More

Do I need life insurance if I'm Single and LGBTQIA+?

Read More

Watch our Fun Explainer Videos

Explainer Video Dave life of the party - Unusual Risks Insured

Dave | Life of the Party

Watch Video

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

George| Experienced Logistics Manager

Watch Video

Explainer Video Modern Families - Unusual Risks Insured

Modern Family Insurances

Watch Video

Explainer Video Naomi, needlestick insurance - Unusual Risks Insured

Naomi | Nursing, needlestick & sharps injuries

Watch Video

About Us

Unusualrisks.com.au provides support to those people who 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 that, as an LGBTQIA+ person (or someone who goes without labels entirely), you 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 #AdviceEquality.

Make us part of your story so should the unexpected happen 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.


Risk Insurance Providers





clear view




MetLife 1



one path



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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Logo of Unusual Risks Insured

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