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


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  • Flatmates, Friends or De-factos and how to tell them apart

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    Flatmates, friends or de facto partners - how do you tell them apart

    When it comes to romance and relationships, the emotional decision about who you think is your partner, may be very different to the legal decision about who is legally considered your de facto partner.

    The questions about who may be a boyfriend or girlfriend or partner and who is a de facto become important distinctions when it comes to Superannuation payouts, Life Insurance nominations and Family Law claims on your finances, investments and property interests. 

    As Marriage Equality became law in Australia on 9th December 2017, *yay*, who is a married partner is now straightforward. Who is a de facto partner, is not always so straightforward especially for many in the LGBTQI Community.

  • Pets, their owners and the rise of the fur baby

    spoilt small dog wearing feather boa s to match their happy owner

    What's the plan for your Pets, if you're no longer here?

    One of the more endearing traits of humanity is our ability to love who we love and our powerful drive to provide for those that we do.

    While love knows no gender, it's also a fact our affections regularly cross the species barrier with Australians having one of the largest Pet ownership rates in the world, with three in five Australian households - or 5.9 million - having a Pet.

    • Today 61% of Australian households have a Pet
    • Dogs are the most popular Pet, with 37% of households owning a dog
    • Cats are the second most popular Pet, with 31% of households owning a cat
  • Who can make emergency medical decisions for you?

    man at gym laying on floor

    Ever wonder who can make emergency medical decisions for you when you can’t?

    Most adults are presumed to have the needed mental capacity to give consent themselves.  But what happens when you can’t make decisions for yourself?

    Though you may have a large circle of friends, emergencies demand a certain kind of relationship.

    Being to answer this question will probably make you stop and consider the quality of your key relationships and whether you have the right legal documents in play today, as part of your backup plan.

    The person 'next in line to make decisions' for you is often referred to as the person responsible and it might not be your next of kin.

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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