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.

$ 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

life insurance for surrogates

  • Transfer & Manage My Existing Policy Service

    Can we take over the ongoing management of an existing life insurance policy for you?

    Yes, we can.

    This is one of our most asked about questions.

    The next most commonly asked question we're asked is;

    'Can you tell me if my existing policy actually covers me for a particular medical condition?'

    And Yes, we can do that too. (And we actually do a lot of that by the way).

    Are you one of the thousands of Australians who have lost track of their personal insurance policies?

    Do you have an existing Life Insurance policy, Income Protection policy, or perhaps a Super account providing insurances you've lost touch with?

    • Not sure what your old insurance policy actually covers, if it's still value for money and meeting your needs?
    • Maybe you have some concerns about its wording, cover limitations, possible exclusions, and whether it will actually pay out if needed?
    • Perhaps your health or personal circumstances have changed since you first took out these insurances and you're not really sure where you stand?
    • Maybe you feel it's just time to move on and start working with a Specialty Adviser like unusualrisks.com.au who's more aligned with what you value?

    If this sounds like you, it sounds like you could benefit from our second opinion and discrete Transfer & Manage My Insurance Policy Service.

    We can manage the transfer of neglected insurance policies when your provider has forgotten about you (or worse still - simply abandoned you).

    Sadly, this is a common and frustrating problem for many people. Advisors leave the industry, businesses are sold and closed and people lose touch for many reasons.

    It's the cause of many constant low-level irritations afflicting busy people already juggling busy lives and responsibilities.

    Relax. We have the solution

    Our Transfer & Manage my Insurance Policyservice can take over the day-to-day management of any life insurance policy already in force and manage them all under a single agency for you, with absolute security, privacy, and discretion.

    We can also provide additional professional insights and advice on;

    Who uses our Transfer & Manage Service?

    There are five (5) main types of situations where people use our Transfer and Manage Service

    1. People who feel disconnected from their current financial adviser (perhaps they left the industry)
    2. People who have specialty medical conditions and uncertainty about whether an existing policy covers that condition.
    3. People who feel overwhelmed by the paperwork, and jargon and want an expert to sort it all out for them.
    4. People who have decided they're better off using a specialistfinancial adviser with a deeper level of expertise they feel more aligned with.
    5. People who see the value in having their own specialty adviser looking out for them and their family's interests first.

    Why do people use our Transfer & Manage Service?

    Since the last damming report of The Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry, many people are now using our Transfer and Manage Service to get the clarity they need on existing insurance policies and to have us manage them all in one place.

    • Citing concerns over potential conflicts of interest, more and more people are moving away from financial services providers who are either owned, backed or franchisees of major financial institutions
    • People today are simply no longer prepared to support a business with a history of putting the commercial interests of their shareholders before the best interests of the customer.

    How to use our Policy Transfer & Manage Service

    There are 5 Steps to regaining control over a lost or abandoned policy using our Transfer & Manage Service.

    1. If you still have a copy of your original policy statement, grab it and look for the policy number (or member number). If you don't, relax, we can trace it if you provide us some basic information too.
    2. Send us the details (or a scan of the document).
    3. We'll send you back a pre-completed form to sign confirming you give us permission to make discrete inquiries on your behalf.
    4. We'll find out what you need to know and give you some options.
    5. When you're ready, we can take over and manage your policy for you.

    Where to Now?
    Continue your journey…

  • When to arrange Intended Parent and Surrogate Life Insurances chart

    pregnant mother to be holding an ultrasound photo

    The complexity that can be IVF and Surrogacy Agreements.

    When working through any complex process, getting the timing right is often the key to success.

    And that's never more true than for folks using IVF treatments as part of Growing Families.

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

Go there!

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

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

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!

 Progress Pride Flag

Logo of Unusual Risks Insured

Risk Insurance Providers





clear view




MetLife 1



one path



Sorry, this website uses features that your browser doesn’t support. Upgrade to a newer version of Firefox, Chrome, Safari, or Edge and you’ll be all set.