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.

$ 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.

Most Common FAQ

  • What's the problem with a formal decline on a life insurance application?

    What's the problem with a 'formal decline' on an application?

    Your privacy is extremely important.

    Having a formal decline on an application for Life insurance (or a life insurance product) is an important thing to avoid where possible.

    • This is because, for any future insurance application, you would be legally bound to disclose the initial refusal.
    • This is covered in the question that's similar to, 'Have you ever been refused insurance for any reason?'.  Failing to declare this formal decline would give every insurance company grounds to attempt to void any future claims.

    So how does this happen?

    We see time and time again how people have made an application for life insurance either through a Superannuation fund or some form of questionable online comparison service promising the world. After providing all their personal information to a telemarketer or bank clerk and having to deal with all the disclosure issues that for many people with chronic health conditions is difficult, deeply sensitive and personal, they then are told, they are 'formally declined' and a formal decline record is applied to their insurance history.

    They are left believing that 'the decline' was solely due to their health and they are left to deal with the uncertainty and associated feelings that come with being told you're not acceptable.

    What they were not originally told, but should have been

    What they were not told is that particular brand of insurance provider, bank or comparison websites was probably never able to cater to their particular situation in the first place.

    • It’s like going to a fast-food shop and trying to buy a box of healthy fresh fruit – it’s the wrong shop to go to. 
    • They just don’t sell that solution, but they also didn't tell you that ahead of time.

    The problem is not you, the shop never had the ability to ever provide what you wanted anyway.  And they failed to tell you that ahead of time.

    The bigger problem then is, how do you deal with a formal decline in your insurance, and what does that mean?

    This is why people with chronic health issues need the service of a specialist like unusualrisks.com.au who know where to shop for their clients with unusual risks.

  • What's the process of getting insured? Do I jump straight to an insurance application?


    You can choose how you want us to work with you.

    • Either way, we usually like to spend some time getting to understand your needs in detail and discuss the options available with you.
    • We also appreciate many people have already carefully considered their situation and made up their mind on how much cover they want. These clients usually just want our help in putting a policy in place too.

    Regardless of where you are in your decision-making process, we can walk with you through the process and help you get the result you want.

  • When might I need personal insurance cover?

    When do I need personal insurance cover?

    It's all about feeling in control of your future, knowing your options and taking responsibility for how you want to live your life.

    Most people particularly need life insurance when:

    • they are in a long term relationship,
    • have joint responsibilities such as a mortgage/rent with someone else,
    • have children, (or nephews and nieces),
    • have family,
    • who are in business with others,
    • who have frail aged or elderly parents,
    • good friends
    • or even charities that they wish to provide a legacy for.

    The idea is a life insurance benefit payout will support a partner or family financially if the policyholder dies at a time when they are relying on their income. It could be used to cover things such as mortgage repayments, replace the deceased person’s salary, or pay childcare or education expenses. The options are endless when you have resources to help.

  • Who is the company behind unusualrisks.com.au ?

    Who is the company behind unusualrisks.com.au ?

    Sapience Financial and Investment Services.  You can find their website here and you can learn about what they became a Trauma-Informed Organisation specialising in Financial Advice here.

  • Who will be my adviser if I choose to be with unusualrisks.com.au?

    Who will be my adviser if I choose to be with unusualrisks.com.au?

    Our Director and Senior Adviser Drew Browne works personally with every one of our specialty risk clients.

    Here's a link to his Public LinkedIn professional profile if you would like to know more about him. He's a good guy to know and have in your corner as your advocate.

  • Why do people buy telemarketed insurance policies?

    So why do people buy telemarketed insurance policies?

    Usually, because they don’t know what you now know or they're really time poor and happy to take the view, 'something is better than nothing'.

    Having a speciality Risk Adviser like unusualrisks.com.au looking out for you and your loved one's interests means you would never be exposed to such a risk.

    • At unUsual Risks Insured, we're on record as boldly stating to all insurance companies, “Stop selling rubbish to good people!"

    Those companies that continue to do so, cite commercial decisions. We believe, they find an advantage in hoping people will not read the fine print or have not got a professional adviser looking out for them.

  • Why does unusualrisks.com.au use pre-assessments?

    Why does unusualrisks.com.au use pre-assessments?

    By informally pre-assessing your situation upfront, we can determine ahead of time the likelihood of whether if you would qualify for cover using the current underwriting requirements.  This means we can position you so you have the best chance of being offered fair and reasonable policy terms, should you decide to make a formal application.  It's all about having absolute certainty before you make an application without any hidden exclusions or uncertainties.

    If you are unsuccessful in your pre-

  • Why is Life Insurance so important?

    Life Insurance 101- Why is Life Insurance so important?

    Life insurance is all about giving the people you care about most, financial security if you’re no longer alive to support them.

    • With life insurance, when you die, (or become terminally ill), your nominated loved one(s) can receive a lump sum payment.
    • They can use this to continue living the life you want them to. Mortgages can be paid out, children’s private education fees paid, people aren't forced to leave the home or area where they have been used to living and frail aged or special needs people in your life can be cared for.

    If you’re in business, it can mean that if you unexpectedly pass away, your business debts are paid out and that the business doesn't have to be wound up or forced into a sale.

    • It can also mean that you (or your business partners) are not forced into continuing business with the remaining family of business partners. The possibilities are as individual as your needs.
  • Why should I care about the difference between general and personal insurance?

    Why should I care about the difference between general and personal insurance?

    Understanding this difference can save you tens of thousands of dollars over the life of a policy. You can have peace of mind that should you need to claim on your policy, you don't need to expect a company to look for a way to void the policy as its first response.

  • Will I need a blood test as part of the insurance application process?

    Will I need a blood test as part of the insurance application process?

    More than likely yes. The majority of clients require blood tests now.

    • We use a mobile pathology service to meet you when convenient (even after hours if that helps) to take the standard blood test sample.
    • Alternatively, we can send you a form to take to your treating GP and have that completed with them. (Our experience is that the mobile services is the fastest options and that's what most people seem to be comfortable with). When and how is always your choice

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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!

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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

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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

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Explainer Video Naomi, needlestick insurance - Unusual Risks Insured

Naomi | Nursing, needlestick & sharps injuries

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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.


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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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