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.

faq about diabetes

  • About Diabetes

    Frequently asked questions about Life Insurances, Income Protection & living with Diabetes

  • Can I get Critical Illness insurance if I have been diagnosed with Diabetes?

    Can I get Critical Illness insurance if I have been diagnosed with Diabetes?

    Usually Yes. This may depend upon the degree to which you're able to manage your condition and your recent HbA1c score.

    For a critical illness application, you may have a policy exclusion imposed on a policy that relates to Diabetes, but you may be able to cover the full range of other issues that a policy can provide for

  • Can I qualify for Life Insurance as a diabetic?

    Can I qualify for Life Insurance as a diabetic?

    Yes, if you have your diabetes under control and don’t have additional multiple risk factors like coronary artery disease, smoking, obesity, uncontrolled high blood pressure, etc., then there's a good possibility you'll qualify for life insurance cover.

  • Can you help me apply for Life Insurance if I have a diabetes diagnosis?

    Can you help me apply for Life Insurance if I have a diabetes diagnosis?

    Yes. That's one of our specialties.

    The first step would be taking our anonymous online pre-assessment to see if your situation is one we can work with.

    Diabetes is complicated so most of our clients have to provide some additional health information in a secondary questionnaire as well.

  • Can you help me apply for life insurance if I have an HIV and diabetes diagnosis?

    Can you help me apply for life insurance if I have an HIV and diabetes diagnosis?

    Yes. That's our speciality.

    We have clients with both conditions well managed and with full high-quality life insurance in place.

  • I've previously had a diabetic coma, can I still qualify for life insurance?

    What if I’d previously had a diabetic coma, can I still qualify for life insurance?

    This type of event is seen as a complication to a pre-existing condition and would raise some additional questions about health management, but is best seen in the light of the surrounding circumstances. 
    For example, you might have had this event as a child. For younger people, this could be more difficult to work with but it would need to be assessed on a case by case basis- and that's our skill.

  • What is required for an insurance application if I have diabetes?

    What's required for an insurance application if my pre-existing medical condition is Diabetes?

    Diabetes is much more commonly diagnosed now than ever before.

    • We have a separate pre-assessment survey for people who have been diagnosed with diabetes and we will need to know your recent HbA1c result.

    The application and underwriting process is the same.

  • Will you ask about my HbA1c history when making an application for life insurance?

    Will you ask about my HbA1c history when making an application for life insurance?

    Yes. Insurers will always look to confirm your historical HbA1c results before being able to determine whether products like life insurance and income protection are available to you.  Your most recent HbA1c reading is often considered as the ‘gold standard’ when determining the level of control someone has over their diabetes.


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





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MetLife 1



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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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