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

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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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accident only income protection

  • Accident Only Insurances

    The Plan B for when you're not eligible for Plan A — the next best thing to reduce your risks

    Accidents change everything.

    They can suddenly wipe out your ability to earn an income, endanger your family's stability and alter your confidence for the future.

    It's not uncommon for accidents to become the start of unexpected financial stress that can change your way of life. They can push you into more debt to pay for unexpected medical procedures, drain your cashflow, and can even force you to sell off investments or assets to cover debts, at the worst possible time.

    The last thing on anybody's mind should be money and returning to work.

    What to do when you don't qualify for comprehensive insurance cover?

    For many people, a surprise major medical bill or the sudden loss of their income is understandably overwhelming.

    Living with a complex health diagnosis or holding down a high-risk occupation and not qualifying for traditional insurance cover is all about living with uncertainty - and we'd love to help you better manage that.

    Get professional advice (and we'd love to help you out with that)

    These types of specialist policies are designed to help people who, for a variety of reasons may not be eligible to qualify for comprehensive insurance cover, but who still have financial needs to protect and families to keep safe. These policies are not suitable for a DIY approach so be sure to get professional financial advice about your situation.

    No one's immune from life-changing accidents that can remove their earning capacity and destabilize the financial security of their family.

    Why use Accident Only Insurances?

    Accident Only Insurances are the next level of personal insurance policy designed to protect against the financial impact of an unexpected accident - whether that involves a Long term Disability, Loss of Income, or even an unexpected Death, as defined in the policy.

    • Accident Only Insurance cover as the name suggests pays a benefit in the event of an accident occurring and you needing to claim.
    • Accident Only Insurance cover can be a helpful part of your protection strategy when you simply don't yet qualify for comprehensive insurance coverage but still need some level of cover to reduce your risks.

    What types of Accident Only insurances are available?

    The three main types of accident only covers available are:

    • Accident Total & Permanent Disability (ATPD) - pays a lump sum benefit if you are totally and permanently disabled as a result of an accident. There are different types of cover from any occupation or the higher grade own occupation category of claim, and even special definitions to help protect your non-working partner too.
    • Accident Income Protection (AIP) - pays up to 75% of your income per month (and can reimburse your employer’s super contributions too) if you’re working and totally or partially disabled as a result of an accident.
    • Accidental Death (AD) - pay a lump sum of money if you died from an unexpected and unintentional accident.

    Pro Tip: Only a small number of insurers offer this type of specialist cover. Like all specialist insurance cover, this is not suitable for a DIY approach or a simplified online comparison service. Get professional advice from the risk insurance specialists at Unusual Risks Insured.

    When you may need an Accident Only Insurance option

    There are times when you may not be eligible for a comprehensive life insurance policy, but you still need protection.

    This could be for:

    • Temporary reasons - while you recover from an existing injury or complete planned surgery or therapies, or
    • Ongoing reasons - due to a previous or permanent health issue or even your type of occupation.

    There are different grades of Accident Only Insurance cover, all with varying levels of medical assessment and they can become a practical alternative if your current health or occupation makes getting comprehensive cover unavailable.

    Who this is especially relevant for?

    Many people for very different reasons simply do not qualify (or don't yet qualify) for a comprehensive insurance policy to protect themselves or their families, but still need an insurance alternative.

    This is especially relevant for people living with:

    • a complex medical history - like leukemia
    • a very recent medical procedure where the long-term outcomes are not yet known - like very recent gastric banding, very recent mental health support, and organ transplant recipients
    • difficult to manage medical conditions - where the risk of ongoing management makes them commercially uninsurable - like Dysplastic Nevus Syndrome where a person can have so many moles on their skin, that the risk of missing one during a routine examination for melanoma is overly high
    • family genetic conditions where the statically increased risks make them not commercially viable for comprehensive insurance cover
    • high-risk occupations - like Crane Drivers, Tree Loppers, High Voltage Linesmen and frontline Emergency Services Workers
    • self employed occupations with very long hours who don't qualify for comprehensive insurance cover or
    • who want to minimise their out of pocket expenses in the event of a workplace accident occurring

    Whatever the reason, an Accident Only Insurance policy can be the next best thing (when you don’t qualify for the best thing) and you can still protect yourself from the financial effects of accidental death, disability or loss of income an accident can create.

    Case Study

    Meet Ramesh.He's positive, energetic and living with a genetic kidney disease. An experienced software coder, he relies upon his ability to type code and to use design software tools.

    As a teenager, Ramesh found out he had inherited Polycystic Kidney Disease and later he received a successful kidney transplant from a sibling.

    As part of his healthy (and some would say overactive) lifestyle he's now become a keen cyclist later in life. He's part of a social bike club that does long rides on weekends and he finds it helps him clear his head and unplug from his online work life.

    • Ramesh was unable to qualify for comprehensive Income Protection or Disability Insurance cover due to his Polycystic Kidney Disease.
    • So he decided to take out the next best option of Accident Only Income Protection and Accident Only Total & Permanent Disability Insurance.
    • His Accident Only Income Protection cover can pay up to 70% of his income (and 100% of his employer's Super contribution) on a claim while he recovers.

    During a recent club group ride, a car failed to stop at a red light and collided with three of the lead bikes, knocking Ramesh off his bike into the gravel on the roadside, breaking both his wrists and three fingers.

    There is a lot of rehabilitation ahead and doctors are not sure if he'll recover full use of his wrists and hands. It's early days in recovery yet, and Ramesh is undergoing extensive hand and wrist rehabilitation.

    Lots of questions about his future race through his mind daily - but financial security is not one of them.

    His Accident Only Income Protection now pays him a monthly income which means he can still pay the mortgage and meet family living expenses.

    If he does face the possibility of a long-term disability, Ramesh's Accident Only Total & Permanent Disability cover will pay him $2,000,000 in a lump sum if doesn't recover the full use of his wrists and hands and he has to adjust to living with a permanent disability unable to return to work in his current job.

    Questions people ask about...

    TaFrequently asked questions about Accident Only protection insurance.

    Where to Now?
    Continue your journey…

  • Getting Life Insurance when you're living with an MS diagnosis

    three smiling women of different ages wearing colourful pink sportswear

    Are you living with a hidden complex health condition?

    It's time for a fresh look at living with a multiple sclerosis (MS) diagnosis and getting your life insurance and income protection sorted.

    MS affects approximately 2,5 million people worldwide, but when you live with multiple sclerosis (MS), it may already feel tough to relate to people who don’t have the condition. As people with an often hidden condition, they face challenges because of their disability but if they're also identifying as LGBTQIA+ the 'double whammy' of feeling like a “minority within a minority” can feel like more discrimination.

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

    young fit indian man giving the thumbs up symbol to the camera after a bike race

    He’s also an experienced software coder, a ‘Guncle’ to three nephews and a little princess who he's bought every available Disney princess dress on the market, and the best of partners to his boyfriend Ashish.

    Working mostly from home (but always within reach of a laptop), Ramesh is one of the new breeds of ‘professional knowledge worker' who relies heavily upon his ability to sit at a keyboard, think and type code - all from a keyboard.

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

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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
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