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

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


  • Are you newly diagnosed with diabetes?

    middle aged man about to test for blood sugar with diabetic testing pen

    A type 2 diabetes diagnosis can feel overwhelming, to say the least.

    And while many of us may have a general idea of what this disease is, there’s a lot of misunderstanding surrounding what it means for the future for a person newly diagnosed with diabetes, and their families.

  • Can a person with diabetes get life insurance?

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    Diabetes in Australia is our fastest growing chronic condition

    The onset of Type 1 Diabetes mellitus (T1DM) occurs most frequently in people under 30 years, however, new research suggests almost half of all people who develop the condition are diagnosed over the age of 30.

    Each day 280 Australians develop diabetes:

    • 56% are males
    • 44% are females
  • How to get life insurance if you have diabetes

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    Managing diabetes can be a challenge: getting life insurance at the same time can feel overwhelming

    Diabetes is Australia's fastest growing chronic health condition with 280 Australians developing this condition every day. (That's one person every five minutes)

    People living with a pre-existing health condition like diabetes, statistically speaking have a higher risk of needing to make a claim on their personal insurance policy. 

    Add to this constantly changing assessment standards for getting insurance cover, and finding a life insurance specialist who understand your situation can feel near impossible.

    Welcome to Unusual Risks Insured - we get it.

  • My partner is not a diabetic and needs insurance too - can you help them at the same time as you help me?

    My partner is not a diabetic, can you help them at the same time as you help me?

    We sure can. We believe in looking after those who look after you. The process is much the same, just no online pre-assessment is needed. 

    For friends, family and supporters who want standard life insurance cover, the application process is the same, and there is no need for a pre-assessment.

    Just send us an email and we'll organise the rest.

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

    young man wearing an adhesive continuous glucose monitor (CGM) sensor to manage his insulin needs

    The Diabetes Dilemma & Life Insurance

    Did you know the fastest growing chronic health condition in Australia, can be prevented?

    November 14 is World Diabetes Day and we believe that everyone needs to better understand this growing health condition.

  • The problem of Becoming Uninsurable - it happens before you know it

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    Life Insurances are important financial tools that help us manage the ups and downs of life, love and business. It's an easy way to safeguard our unpredictable futures, just in case.

    But delaying important decisions and continually 'waiting for a convenient time' to get these important parts of life in place - is a risk as we all over time can become uninsurable for a variety of reasons.

    But some health conditions can be unexpected, unpredictable and then uninsurable - and that can create a significant equally unexpected problem for many people.

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
Send a Message here

Get Advice-on-Demand via
email | phone | video | face-to-face

Everyone is Welcome Here!

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