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

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long term disabiity

  • Total & Permanent Disability Protection

    The better we protect the people who are important to us, the better our lives are.

    Total and Permanent Disability insurance (often called TPD for short) is designed to protect against long-term disability and pay a lump sum(or in some cases by installments) if you become permanently disabled, as defined in the policy.

    • Generally, a permanent disability means you can’t work in your current occupation or in a job you’ve already trained or studied for, or previously worked in.
    • Importantly the minimum waiting period is 6 months before any payment is available.
    • It’s important to carefully read the fine print in these specialty policies because different definitions usually apply to TPD insurance.

    Your financial advisor from Unusual Risks Insured is the expert to best help you understand your options and how to ‘sift through the rocks to find the diamonds’.

    Practically speaking - "don’t let disability ruin the rest of your life"

    Case Study

    Meet Tina and Garry: both parents and positive. Their overseas holiday of a lifetime to the snow turned into a nightmare when a skiing accident left Garry with a serious spinal fracture, two broken wrists, and now facing the possibility of life in a wheelchair.

    • Apart from dealing with the shock to the family, the couple had to contend with the cost of multiple surgeries, rehabilitation and completely modifying their home and car for Garry.

    Because they had sufficient levels of high-quality TPD insurance cover in place, they were able to pay out the remaining home mortgage, pay for modifications to the house and car, pay for world-class rehabilitation, and even advanced medical gene therapy. There were even enough funds for Tina to reduce her work hours to part-time for a year, and still meet the family living expenses while helping Garry adjust to a new life.

    Why you may need TPD cover

    Our greatest asset is our ability to continue to earn our income.

    Most Australians just don't have enough savings or backup resources available to protect their lifestyle if they suffer a permanent disability.

    • If you were unable to work, how would you afford to pay your living expenses?
    • How would you afford the new and ongoing medical costs associated with serious illness and injuries?

    TPD insurance can provide the funds to pay off debts, pay for medical treatments, and maintain your lifestyle while you focus on adjusting to what may be a very different lifestyle after a significant accident or illness.

    It’s especially relevant for:

    • people with partners (and dependents) - particularly if you’re a one-income-family
    • people who are financially responsible for a special needs sibling, aging parents, or managing a long term medical condition
    • people with mortgage debt or paying large rent, who have debts that couldn't be paid out from savings alone

    Real Life Statistics

    • In Australia, a person suffers a stroke every nine minutes and there are an estimated 475,000 stroke survivors living in our communities. National Stroke Foundation
    • Almost half a million Australians are hospitalised each year as a result of injury, and a further 12,000 people die due to injury. Australian Institute of Health and Welfare – Injury, June 2017

    How it works together with other insurance covers

    This is how Total and Permanent Disability insurance works alongside Income Protection and Crisis Recovery insurance.

    • Total & Permanent Disability insuranceis designed to protect against long-term disability and pay a lump sum (after a 6-month wait) if you become permanently disabled, as defined in the policy and you can no longer work in your current occupation.
    • Income Protectioninsurance is designed to protect up to 70% of your income after a waiting period of your choice, while you cannot work due to sickness or injury.
    • Crisis Recovery insurance is designed to pay an immediate lump sum to help offset short-term unexpected medical expenses and help you maintain your financial liquidity should you suffer a medical crisis specified in the policy, to help stabilise debt obligations and personal cash flow.

    Together they can protect you against long-term permanent disability and short-term interruption in your ability to go on earning your income. When you meet the conditions of both insurances you can receive both benefit payments

    Questions people ask about...

    Total & Permanent Disability insurance (TPD)

    What is it?

    Total and Permanent Disability protection (TPD for short) can provide protection against total and permanent disability by providing you a lump sum of money to make lifestyle modifications in case you become disabled and can never work again.

    How it helps you

    TPD is the ultimate long term peace of mind for you, your partner and your family's continuing financial independence.

    What's the chance of needing it?
    • There is a 1 in 20 chance of needing to claim for Total & Permanent Disability (TPD) insurance

    You can use this money to cover your medical and rehabilitation costs, as well as any future expenses, which may also include modifying your home or car.

    Do I need Total & Permanent Disability insurance?

    Most probably, Yes.

    TPD insurance is usually bundled with Life Insurance and usually covers a range of significant disabilities that can include hearing loss, loss of sight, mental health disorders, speech impairment, as specified in the policy.

    TPD policies either offer cover if you can no longer work in your usual job (own occupation) or may only cover you if you can't work in any job at all (any occupation).

    Premiums, terms and conditions will vary according to the definitions used in the insurance contract, so you'll need professional guidance before making any decision.

    Where to Now?
    Continue your journey…


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
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