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

TAKE OUR PRE-ASSESSMENT

pre assessment online Unusual Risks Insured

pre-assessments

  • Dave, life of the party

    smiling good looking young man in purple tee shirt

    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, then you decide if you take the 3rd Step and 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

images/case-studies-faces/case-study-Simon-and-Jordan-close-mates-who-PrEP-unusual-risks-insured.jpg#joomlaImage://local-images/case-studies-faces/case-study-Simon-and-Jordan-close-mates-who-PrEP-unusual-risks-insured.jpg?width=400&height=400

Meet Simon & Jordan

Close mates who use PrEP

images/case-studies-faces/case-study-lisas-partner-diabetes-unusual-risks-insured.jpg#joomlaImage://local-images/case-studies-faces/case-study-lisas-partner-diabetes-unusual-risks-insured.jpg?width=400&height=400

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

images/case-studies-faces/case-study-terry-family-tatoos-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-terry-family-tatoos-unusual-risks-inusured.jpg?width=400&height=400

Meet Terry, his young family & tattoos

The Unexpected things of life, tattoos & travel and saving for a home deposit.

images/case-studies-faces/case-study-ramesh-positive-energetic-and-living-with-a-kidney-transplant-unusual-risks-insured.jpg#joomlaImage://local-images/case-studies-faces/case-study-ramesh-positive-energetic-and-living-with-a-kidney-transplant-unusual-risks-insured.jpg?width=400&height=400

Meet Ramesh, positive, energetic & living with a kidney transplant

Accident Only Insurance options

images/case-studies-faces/case-study-chris-and-mirko-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-chris-and-mirko-unusual-risks-inusured.jpg?width=400&height=400

Meet Chris & Mirko

- growing their family through Co-parenting

images/case-studies-faces/case-study-Ethan-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-Ethan-unusual-risks-inusured.jpg?width=400&height=400

Meet Ethan, single sensible & dating

;)

images/case-studies-faces/case-study-George-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-George-unusual-risks-inusured.jpg?width=400&height=400

Meet George

- an experienced logistics manager

images/case-studies-faces/case-study-jennifer-and-amber-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-jennifer-and-amber-unusual-risks-inusured.jpg?width=400&height=400

Meet Jennifer & Amber

- climbed the corporate ladder in a busy city law firm

images/case-studies-faces/case-study-john-and-david-family-tatoos-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-john-and-david-family-tatoos-unusual-risks-inusured.jpg?width=400&height=400

Meet John & David new home buyers

- and living with HIV

images/case-studies-faces/case-study-Naomi-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-Naomi-unusual-risks-inusured.jpg?width=400&height=400

Meet Naomi

- nurse, single and super mum

images/case-studies-faces/case-study-ricki-and-devesh-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-ricki-and-devesh-unusual-risks-inusured.jpg?width=400&height=400

Meet Rick & Devesh

- new Dads-to-Be through Surrogacy & IVF

images/case-studies-faces/case-study-tina-and-garry-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-tina-and-garry-unusual-risks-inusured.jpg?width=400&height=400

Meet Tina & Garry, a serodiscordant couple

- and proud new parents of a baby boy

Our Specialty Services Include

Services

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

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!
#AdviceEquality

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