A note to our competitors (& those who want to be)

Let’s start this discussion off with an honest fact:

• Every single company out there has competitors.
• So here's a note, just for ours.

A number of our professional colleagues and suppliers (and more than a handful of competitors) continually ask us, 'why we take such a visible leadership stance about diversity, inclusion and belonging in business today?

Equality and freedom from discrimination are fundamental human rights that belong to all people, regardless of who they love or how they identify

The road to anywhere meaningful does seem to take a while and this has been true for many in Australia's LGBTQIA+ community.

Happy Mardi Gras 2019!

To our Clients, Friends, and Supporters

Celebrating You!

Happy Mardi Gras!

To all our clients, friends and supporters - have a fabulous time celebrating you!

We're committed to serving the LGBTI community and its Allies, and we're here for you, all year round. Happy Mardi Gras!

Happy Mardi Gras!

To all our clients, friends and supporters - have a fabulous time celebrating you!

We're committed to serving the LGBTI Community and its Allies, and we're here for you, all year round. Happy Mardi Gras!

To all our Clients, Friends & Supporters - have a fabulous time at the Sydney Mardi Gras & Word Pride 2023 celebrating you!

• For over 20 years the team behind Unusual Risks Insured has quietly served Australia's Diverse Community of LGBTQIA+ folk and our Allies.
• We continue to stand by our friends and Community and we're here for you, all year round actually (not just for Mardi Gras ;) )

Stigma and discrimination undermine more than just HIV prevention and treatments

Australia's known the world over as the lucky country and our unrestricted access to financial services such as life insurance is something that most Australians simply take for granted.

A big step closer to making the impossible, possible

People living with HIV in Australia can now get full life insurance.

Behind every real business, there's a real person with a real story. We'd like to share our story with you.

We share this story in the service of others.

We believe that investing in the future health and well-being of another is an act of service greater than ourselves — and in many cases, it's what makes us human. Drew Browne Founder Unusual Risks Insured Australia

The drive behind Unusual Risks really began over twenty years ago, in a big city hospital waiting room.

In 1991 I sat in the waiting room of St Vincent’s Hospital Sydney after discovering that I couldn’t work 60 hours a week and keep my health as well. I’d just received the news that I needed to be admitted for urgent surgery the next day, to remove a growth from my throat.

As I sat there, surrounded by a seemingly endless supply of vintage editions of the National Geographic Magazine, and people in varying states of ill health and unhappiness...

...a simple black and white postcard caught my eye with a photo of Mother Teresa, who became known for her work with the extreme poor in the slums of India’s Calcutta. The caption read, ‘You don’t have to be a saint to do something good’

It was a brochure asking for people who’d be prepared to volunteer their time, to serve people living with HIV in palliative care situations at a hospital clinic.

I folded a copy of the postcard into my back pocket to read it another time. Weeks later, after my surgery and a great deal of personal loss, I remembered that simple black and white postcard from the waiting room, and so began my journey of doing something good.

After months of training, I began regular weekly volunteering at a hospital with a newly opened HIV/AIDS ward. A year later, after so many deaths, many lessons and a new-found level of respect for the resilience of people labouring under stigma and suffering terrible discrimination, I was asked to spend some time at a newly-opened Day Centre for positive people in the western suburbs of Sydney.

Our friend Mrs Patricia Kennedy, OAM

It was at this centre that I met and began my friendship with an HIV Disability Advocate, Mrs. Patricia Kennedy, and her wonderful team of volunteers. Patricia was later to be officially recognised and awarded the Australian government's OAM honour in 2003 for her services to people living with disabilities and HIV.

In 2013, she inspired us to create Unusual Risks Insured Australia.

Listen to a 5 Part Radio Interview Podcast

Hear more about this inspirational community leaders' story.

• The Story of Patricia - How one Australian Scottish-born Grandmother remembers the 1980's and the arrival of HIV & AIDS in Australia.

The early days of HIV & AIDS In Australia

In the 1990s, the world was just waking up to the reality of HIV & AIDS.

It was the social leprosy of its time.

Because of people’s fear, discrimination, intolerance and unfair judgments, working with affected people meant anonymity and confidentiality were paramount — so no one knew what I did, who I supported and who I was honoured to care for.

Things began to change

Five turbulent years passed. I've watched amazing breakthroughs in medical treatments. People diagnosed with HIV, when treated early, began to live long and fulfilling lives again. The HIV hospice moved a number of times and later found a more permanent location in Sydney's western suburbs.

Since then, ACON has been well established. The broader community understanding has begun to mature slowly as people realise that the most important issue is the person, not the diagnosis.

Be the change you want to see around you

For over 20 years now I have worked in the financial services industry in the specialist area of life insurance and family risk protection. I’ve continued to see some businesses move (at glacial speed) towards greater tolerance and understanding, and then to acceptance and celebration of diversity, inclusion and belonging in our greater community. I have seen many still resistant to the winds of change and compassion.

I'm driven to share my expertise's with our community, not just because I'm part of it, but because the LGBTQIA+ are an underserve community, and I truly believe, secure people live bigger lives.

But there’s still active and passive discrimination in business toward people living with HIV

I've witnessed firsthand the passive discrimination in business towards people who accept and celebrate diversity in others.

• Advertising departments of FM Radio stations who no longer wished to be associated with a brand that celebrates diversity, inclusion and belonging.
• Companies who made decisions based on fear and discrimination over facts and transparency.
• The stigma and fear-based discrimination that so many LGBTQIA+ (Lesbian, Gay, Bi-sexual, Transgender, Intersex and Queer) people have to deal with daily when discussing their financial position, personal insurance plans and their desire to protect and provide for their own families.
• Deep-seated social conservatism in some Western suburbs multicultural communities translating into recording the highest 'No' vote at 73.9 percent in the 2017 Australian Government's Marriage Equality Survey.

Tomorrow, history will judge us all on our businesses and our demonstrated commitment towards acceptance, respect and inclusion of all people - regardless of who they love.

But today the consumer will judge us on what we did: and rightly so.

We believe #AdviceEquality is truly a human rights issue

• Unusual Risks Insured Australia opened its specialty doors for business 1st December 2013
• In September 2014 we were proud finalists in the Honour Awards and won the Outstanding Financial Product Award for KPI Sydney
• In May 2016 our parent company Sapience Financial Certified as a B Corporation, the international standard for using business as a force for good, and
• In May 2017 we were recognised by the inaugural national Australian Businesses of Tomorrow Awards.
• Today we're doing business with LGBTIQ+ people and our Allies and anyone who believes in a truly Fair Go for all Australians, and a better future for our children.

Human Rights and LGBTQIA+ and D&I cannot be separated

Nobody and no business lives in a vacuum.

• The UN released the 17 UN Global Goals to provide a roadmap for governments and businesses to focus their efforts to make the world a better place by 2030.
• Global Goal #10 Reduce Inequalities, focuses on reducing discrimination and inequality that often leads to financial and social discrimination.
• In the same year, the UN launched the Standards of Conduct for Tackling Discrimination against LGBTI people providing five concrete steps companies can take to align their policies and practices with international standards on the human rights of LGBTI people.

Our doors are open for business and we welcome all like-minded people who need high-quality personal insurance and financial and investment services. We don't discriminate.

Why not make us part of your story today and upgrade to a Specialised Financial Adviser in your corner looking out for your best interests?

Proud to be part of the Honour Awards

A heartfelt thank you to all our clients, friends and supporters

Why we see our clients as the heroes of our brand

Unusual Risks Insured is a proud purpose-driven brand that celebrates the success of its clients.

The Story of Patricia Kennedy, OAM

A Grandmothers Fight to do What's Right - Battling HIV Stigma in Australia

• Hear how Mrs Patricia Kennedy, an Australian Scottish born Grandmother, remembers the 1980's and the arrival of HIV & AIDS to Australia
• A shocking and yet compelling interview for people who want to know the truth about a dark time in Australia's brief history, so we can learn how not to repeat the mistakes of the past on our young people today

Unusual risks (the specialist brand of Sapience Financial) was among 200 handpicked companies to be recognised and honoured with the Westpac Business of Tomorrow award on the 7th April 2017.