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.

$ 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.


  • Dave, life of the party

    He's a big fan of the party life and 'works hard so he can play hard'. If you ever got into a serious conversation with him, he's an open-minded no-labels kind of guy.

    His work ute looks as good as he does and he's in high demand on Saturday night - and always swipes right - if you know what we mean.

  • Pre-assessment

    Complete our Anonymous Pre‑assessment below

    Find out in under 60 seconds if we can help you – without needing to disclose your name or contact details.

    The 3 Step Process:

    1st  What's the first step?

    • Select the pre-assessment below that best describes your situation.
    • Complete the online multiple-choice questions.
    • See your results instantly.

    2nd  What happens then?

    • If your pre-assessment answers get the Green Light you'll immediately have the option to start an email conversation with our senior Advisor Drew Browne, to learn more about what's possible for your personal situation.
    • If your pre-assessment answers get the Yellow Light you'll know your situation may be borderline, and we'll need to learn more about your situation.
    • If your pre-assessment answers get the Red Light you'll know your situation may be outside our current range of available options.

    3rd  What's the last step?

    After seeing your results, you then decide if you send us an inquiry email, directly from our site, to begin a confidential email chat about your personal insurance options.

    Common Q&A's

    Can I take a pre‑assessment and then just call for a chat without starting an email conversation?

    Yes! The pre-assessment just helps you know where you stand ahead of time. You can then call for a chat when you're ready.  You can find our contact number here.

    Can I skip the pre‑assessment and just call for a chat anyways?

    Yes! You can find our contact number here.

    What if I have a different unusual health condition or occupation?

    Yes! If you just need a standard life insurance or income protection policy (perhaps for your partner) and don't need a pre-assessment for an existing specialty health condition, we would love to help with that too!

    Are you experiencing a tech issue?

    If you have any complex questions, need something urgently (or if our pre-assessment tool is misbehaving itself  ) please get in touch.

    Special Note for Yahoo Mail Users

    For people using Yahoo email, due to super-high spam levels from their servers, some Yahoo Mail emails are being automatically blocked by our Google secure email servers - it's a veritable turf war. So if we don't get back to you in 3 days, please let us know. (We're working on fixing this), and please send us a follow-up email.

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!

Reduce Your Risk of Type 2 Diabetes - Move More, Eat Mindfully, Stay Hydrated

Read More

Are you newly diagnosed with diabetes?

Read More

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

Read More

Happy Sydney Mardi Gras 2023!

Read More

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

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

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.


Risk Insurance Providers





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MetLife 1



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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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Logo of Unusual Risks Insured

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