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

TAKE OUR PRE-ASSESSMENT

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preparing for an application

  • People taking PrEP can now get full Life Insurance cover through Unusual Risk Insured

    PrEP medication and logo of Unusual Risks Insured

    And that's great news for everyone who's using PrEP medication to take better control over their health.

    • PrEP (Pre-exposure prophylaxis) is an anti-HIV medicine taken by a person who doesn't have HIV to lower their risk of infection.
    • The brand name of the drug known as PrEP is Truvada and it's now listed on the PBS and subsided by the Australian Government.

  • Taking PrEP to look after yourself and your mates

    fireman holding his helmet smiling

    Taking PrEP to look after yourself and your mates

    Looking after yourself and your mates is one of the key motivators behind people learning more about whether taking PrEP medication is right for them and their situation.

    Taking care of the riskier parts of life (and work)

    While most occupations have some low-level risk involved (ranging from papercuts to tripping over computer cables, to working with power tools or falling down mine shafts) some occupations have additional exposure risks to needlestick and sharps injuries - and if that's your occupation, you need to know about your PrEP and Income Protection insurance options.

Single

Single Age is no indicator of relationship status or financial responsibility. You can be young and starting out or older and established; and both enjoying living the single life. You might be single, single again, sometimes single, single with kids, single with pets or perhaps something a little more complicated. When it comes to...

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Partnered

Partnered Sharing life and love with someone can be twice as exciting. You might be partnered, partnered with pets, officially de facto, officially married (yay!), splitting expenses but sharing life, or joining incomes and combining financial lives too. You might be together but living apart, working towards a future with kids, thinking...

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Parenting

Parenting For today's LGBTQIA+ families, there are no accidental families. You might be parenting and single with kids, parenting solo with kids, parenting and partnered with kids, (yours, theirs and ours), dual parents with kids, co-parents, foster parents, adoptive parents, or even adoptive parents of kids with additional needs (just...

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Individual Case Studies

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Meet Simon & Jordan

Close mates who use PrEP

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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

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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

young man looking out a window and thinking

What has sexuality got to do with a life insurance application?

Read More
three smiling women of different ages wearing colourful pink sportswear

Getting Life Insurance when you're living with an MS diagnosis

Read More
young man wearing an adhesive continuous glucose monitor (CGM) sensor to manage his insulin needs

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

Read More
middle aged man about to test for blood sugar with diabetic testing pen

Are you newly diagnosed with diabetes?

Read More

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

Read More
fireman holding his helmet smiling

Taking PrEP to look after yourself and your mates

Read More

Our Specialty Services Include

Services

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Modern Family Insurances

However you identify, whoever you love and whoever is family to you, we believe no one should miss out. Love makes a family and love takes action. You want to provide your family with financial protection and peace of mind. We can help. #LoveTakesAction
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Life Insurance

Life cover protects you from the financial effects of a terminal illness and your family’s financial security should you unexpectedly pass away, with a lump sum payment. This payment can be used to help cover mortgage payments, school fees, bills, groceries and other living expenses. We can help.

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Income Protection Insurance

Income Protection is an insurance cover for one of the most important assets of all – your ability to continue to keep on earning a living. Income Protection Insurance provides a regular payment in place of your income if you’re unable to work for extended periods due to injury or illness. We can help.

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Crisis & Trauma Recovery Insurance

Crisis Insurance (sometimes called Trauma Recovery Insurance) provides a one-off, lump sum payment if one of the many specified insured trauma events were to happen to you, such as being diagnosed with advanced cancer, or having a major heart attack or stroke. We can help.

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Total & Permanent Disability Insurance

TPD is long-term disability insurance that gives you protection against total & permanent disability by providing a lump sum payout if you can never work again due to injury or illness. We can help.

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Insurance for Medical Professionals

White-collar medical professionals are often highly paid and highly leveraged. Hospitals, surgeries, clinics and accident sites are often high-pressure, fast-paced environments where sharps occur all too frequently. Blood Borne Disease Insurance compensates you if you contract HIV, Hepatitis B or Hepatitis C due to a sharps injury while working in your regular occupation. We can help.

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Insurances for People using PrEP

Australians using PrEP who need Life Insurance or Income Protection, now have a clear pathway to getting their cover sorted - stigma and discrimination-free from Unusual Risks Insured. Most insurance companies and super funds simply do not provide supportive underwriting for people taking PrEP to better manage their health. We can help.

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Insurance for Business Owners & Partnerships

The common denominator for all SME's is they run on people and are therefore exposed to people-based risks. Protecting those people from the statistical realities of life, love and business can be more difficult when your personal situation is more complex and your privacy needs are greater. We can help.

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Life Insurances for Intended Parents & Surrogates

Thinking about Growing Families through IVF? Are you considering using Altruistic Surrogacy? For those using the services of an altruistic surrogate there's an additional layer of complexity and responsibility to be protected. Pregnancy is not without risks. It's important to protect everyone involved in your IVF journey and any Surrogacy Agreement. We can help.
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Manage My Life Insurance & Super Beneficiary Nominations Service

Are you one of the thousands of Australians who have lost track of their personal insurance policies? Do you have an existing Life Insurance policy, Income Protection policy, or perhaps a Super account providing insurance you've lost touch with? We can take over the ongoing management of any insurance policy so all your work is held in a central supportive advice practice. We can help.
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Modern Estate Planning for LGBTQIA+ people

For most of our Life Insurance clients, getting their Modern Estate Planning sorted is the natural next step to having all their important documents of life, love and business all in one place. Putting your Life Insurance and Estate Planning documents together makes good sense and means updating them when major life changes occur, more easier. Your family's estate planning is too important to leave for a DIY approach on a lazy weekend, or when you have time ... sometime... next year, maybe.
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Update My Life & Super Beneficiary Nomination Service

Are you one of the many people who have lost track of their beneficiary information? Do you have an existing Life Insurance policy or perhaps a Super account with insurance you've lost touch with? Maybe you haven’t nominated a beneficiary to your life insurance policy or super account? Have you forgotten who you did nominate and now need to update your wishes? We can help.

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
Send a Message here

Get Advice-on-Demand via
email | phone | video | face-to-face

Everyone is Welcome Here!
#AdviceEquality

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The advisor to Unusual Risks Insured: Drew Browne is an Authorised Representative and Sapience Financial Corporation Pty Ltd. ABN 29 086 679 718 is a Corporate Authorised Representative of an Australian Financial Services Licensee AFSL Shartru Wealth Management Pty Ltd #422409 ABN 46 158 536 871. Any information provided is General Advice Only and we have not considered your personal circumstances. Before making any decision on the basis of this advice you should consider if the advice is appropriate for you based on your particular circumstance. Unusual Risks is a Trauma Informed Organisation (TIO) and affirms the Darlington Statement on Intersex Human Rights Australia.

Unusual Risks Insured acknowledges the Traditional Custodians of Country throughout Australia and their continuing connection to land, waters and community. We pay our respect to them and their cultures, and Elders, past, present and future.

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