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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life insurance and HIV

  • Be careful what you Google when looking for advice on life insurance

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    Be careful what you Google for, when searching for simple answers to complex questions like; Can people with HIV or other complex health conditions can still qualify for life insurance?

    Google Search is part of our modern-day lives.

    Who hasn’t made a quick Search for the bio of an actor, the secret to a killer Bearnaise sauce or asked, ‘Is there a sequel to Game of Thrones?’

    Search is also a growing part of our personal health management. People's tendencies for a late-night search session with Dr Google self-diagnosing potential medical conditions —by searching for symptoms —are known to trigger many an anxious night of misinformation and questionable comparisons.

    The reality is many of our late-night search results usually add to our anxiety and uncertainty.

    The new skill of knowing ‘when to consult a professional’ is becoming the new 21th Century survival skill to learn.

  • Coronavirus, Life Insurance, Income Protection and managing personal risks

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    Getting better at managing our personal risks in our connected world

    It's a difficult time, and winter is coming.

    But it won't always be.

    And we all need to be ready for the Spring; to better understand what we can control now (and who we can take care of today), so we're all getting ready for a better tomorrow.

    The current Coronaviruspandemic is going to affect Australian families and businesses - but perhaps not for the reason you suspect.

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

    Where did you first start treatments?

    For people living with HIV this is now a new important question asked in a Life Insurance application.

    This year 2023, will mark 42 years since the first five cases of persons with pneumocystis carinii pneumonia in Los Angeles, California – which later became known as GRID, then AIDS – were officially reported to health authorities.

    Later it was discovered HIV is the virus that causes acquired AIDS, and so began the medical quest to stop HIV replication from person to person that continues today.

  • Naomi, nursing, needlestick and sharps injuries

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    Meet Naomi - nurse, single and super mum

    Blood borne virus exposure insurance for nurses and doctors

    Naomi is an experienced accident and emergency nurse with more than 5 years of experience working in the surgical wards and in and around potentially dangerous medical workspaces.

    She is used to managing chaos and moody teenagers; she has two of her own she's hoping to put into private school next year for their senior years before they hopefully go to university.

  • Newly diagnosed HIV positive? Breathe - life gets better

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    If you're newly diagnosed, like many of our clients you might be scouring the internet to learn everything you can about your status.

  • Open for business

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    A big step closer to making the impossible, possible

    People living with HIV in Australia can now get full life insurance.

  • Undetectable viral load (or close to it)

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    Important life insurance eligibility update for positive people

    Good news. You no longer need to have an undetectable viral load to be eligible for life insurance.

  • What's the application process to set up life insurances

    • Read the video transcript below.
  • Women living with HIV in Australia

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    Women living with HIV in Australia

    Today, about 10% of people living with HIV in Australia are women; yet they continue to be conspicuously absent in most of the HIV prevention messages.

    The reported experiences of women living with HIV can be very different from men.

    Many women navigate their treatments and their daily lives differently from their male counterparts.

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

Watch Video

Explainer Video Naomi, needlestick insurance - Unusual Risks Insured

Naomi | Nursing, needlestick & sharps injuries

Watch Video

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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