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

living with HIV

  • 2016 International Candlelight Memorial Day

    candlelight memorial for those lost to AIDS

    2016 International Candlelight Memorial Day Australia – we remember our friends

    In the 1980s and early 1990s, many young Australian's died due to AIDS-related illness. Memorial services for their families and friends were common.

    Since the arrival of life-saving treatments, people living with HIV can now experience a long life. As a result, memorial services have slowly been reduced as life expectancies have increased.

  • Can I take out income protection insurance if I have been diagnosed with HIV?

    Can I take out Income Protection insurance if I have been diagnosed with well managed HIV?

    Yes, you can.

    • Income Protection is also called Disability Income Protection.  The changes in names drive us crazy too). Regardless of the product name they use, all are designed to pay up to 75% of a person’s income if through sickness or injury they are unable to work.

    Contact us today for more information on this specialist window of opportunity.

  • 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.

  • 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.

  • George, experienced logistics manager

    middle aged man thinking and smiling confidently at the camera in front of a timber slatted wall behind him

    Meet George - logistics co-ordination ninja

    He spends most of his work day chasing boxes, deadlines and freight companies running late. His partner is the love of his life (and drives him crazy at times). George has a stepdaughter who he adores and a well-earned reputation as a bit of Weekend DIY Tragic, relentlessly renovating his townhouse.

    George’s shift-work is often unpredictable, so living closer to work and cafes makes his life easier.

    Lately, here's been thinking about the hard emotional decision, How much is enough?

  • HIV stigma - an insidious barrier to getting life insurance

    holding the hands of someone loved walking at the beach

    Stigma and discrimination undermine more than just HIV prevention and treatments

    Australia's known the world over as the lucky country and our unrestricted access to financial services such as life insurance is something that most Australians simply take for granted.

  • Jennifer & Amber, Diabetes and HIV

    two mature women relaxing together at a table with tropic flowers and iced drinks

    Meet Jennifer and Amber - partners for life.

    Jennifer has spent the last 8 years climbing the corporate ladder in a busy city law firm and was made senior associate last Christmas. Her obsessive attention to detail means she's particularly good at what she does but the possibility of having to work through the fine print details of a life insurance policy is not something she's looking forward to.

  • John & David, living with HIV and owners of full life insurance

    two good looking middle aged men drinking coffee and sitting on teh steps of their firm home together

    Meet John and David - first homeowners with their Life Insurance sorted and living with HIV.

    They’re about to sign the contracts on their new home, and it’s an exciting and stretching time, regardless of the interest rate

  • Living with HIV?

    Basic Eligibility

    If you're living with well-managed HIV and are wondering if you can get high-quality life insurance cover, the simple answer is now 'Yes!'

    Eligibility will always depend upon a person being on treatment like Highly Active Antiretroviral Therapy (HAARTS) and having an undetectable viral load (or being very close to undetectable) with no associated related multiple disorders.

    Understanding undetectable viral load

    The term undetectable viral load appears everywhere from lab reports and medical journals to social media and life insurance questionnaires. Here are some key terms and concepts to help people understand and explore what 'undetectable' means.


    • HIV hijacks cells in your immune system and uses them to replicate (make more copies of itself), destroying those cells in the process. HIV is the virus that causes AIDS.

    Viral load

    • Viral load refers to how many copies of HIV are present in a millilitre sample of blood.
    • Viral load testing is a way to estimate how much HIV is in the blood. It's used to monitor immune function and see how well HIV treatment is working.
    Take our 60 second Pre-assessment here and see if we can work with you.

    Why you need a specialist adviser to help you get life insurance

    In reality, someone living with HIV is still more likely to be turned down for life insurance by mainstream insurers than someone who doesn't have this condition. If you are offered cover, you'll pay about the same premium as other people with pre-existing conditions such as cancer, certain kinds of heart conditions or smokers.

    Below are the current good case and best case criteria for a person living with well-managed HIV who we can help.

    Good case scenario

      1. Diagnosed HIV+ diagnosis more than 3 years ago
      2. You have received Highly Active Anti-retroviral treatment (HAARTS) since diagnosis
      3. Your viral load is currently undetectable and you have no history of AIDS-defining illness
      4. Your CD4 lymphocyte count is in the normal range.
      5. You have no history of Hepatitis C and no history of IV drug use

    Best chance scenario

      1. You were diagnosed between the ages of 20-39
      2. Your viral load was low at the time of diagnosis.
      3. You have been HIV + for 5 or more years and have kept to your treatment plan.
      4. Routine blood work, including kidney and liver functions, is stable and normal.
      5. Your CD4 count was HIGH at the time of diagnosis.
      6. Hep B surface antigen is negative.
      7. You're a non-smoker.
      8. You are currently practising safe-sex and/or are in a monogamous relationship.
      9. You are not being treated for non-HIV STD's
      10. You are free of early coronary artery disease or renal disease signs.

    We give you the best chance of success

    At Unusual Risks, we understand and track the detailed and ever-changing underwriting criteria and the medical requirements that insurers need to work with.

    • We can present you in the most favourable light so that your chances of success are the highest.
    • We use technology to help us anonymously pre-assess your medical position so that any potential difficulties can be dealt with without the need to identify you and create a permanent record that might influence a future application.
    • By understanding your health position before you make any formal application, we know ahead of time with a high degree of certainty what the result of a formal life insurance application will be.

    And we've been helping people just like you and their families and partners for over 20 years now.

    Where to Now?
    Continue your journey…


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

    My partner is not HIV positive; 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.

  • Newly diagnosed HIV positive? Breathe - life gets better

    blood collection tube


    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

    open sign on the door for Unusual Risks Insured

    A big step closer to making the impossible, possible

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

  • Professional people need their own life insurance adviser and here's why

    good looking profession guy at work

    Many people in professional business use life insurance products but...

  • Terry, young family & tattoos

    young man with half sleeve tattoos and his wife wearing sunglasses and talking a selfie together

    Meet Terry - a skilled fly-in-fly-out (FIFO) mining professional who looked for unusualrisks.com.au

    Cheap tattoos changed his life.

    'My name is Terry and I'm 37 and I married my childhood sweetheart. A few years ago we decided as a family that the only way we could get ahead and save a big deposit for a house, was for me to go work in the remote mines of Western Australia or Northern Queensland. The plan was to work hard for 5 or 6 years and use my high income to save a healthy deposit'.

  • The real heroes of our brand

    two men holding hands while walking down the street

    Why we see our clients as the heroes of our brand

    Unusual Risks Insured is a proud purpose-driven brand that celebrates the success of its clients.

  • The Story of Patricia - Podcast

    old movie posted for The Story of Patricia Kennedy OAM A Grandmothers Fight to do What's Right - Battling HIV Stigma in Australia

    The Story of Patricia Kennedy, OAM

    A Grandmothers Fight to do What's Right - Battling HIV Stigma in Australia

    • Hear how Mrs Patricia Kennedy, an Australian Scottish born Grandmother, remembers the 1980's and the arrival of HIV & AIDS to Australia
    • A shocking and yet compelling interview for people who want to know the truth about a dark time in Australia's brief history, so we can learn how not to repeat the mistakes of the past on our young people today

  • Undetectable viral load (or close to it)

    male shirtless surfer at the beach

    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.

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

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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

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Everyone is Welcome Here!

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