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

privacy

  • Our Privacy Standard

    We're borderline fanatical about your privacy

    This relates to our website visitors, clients and supporters, advertising and all our communications with you.

    'No one shall be subjected to arbitrary interference with their privacy, family, home or correspondence, nor attacks upon their honour and reputation'. Universal Declaration of Human Rights

    unusualrisks-com.au is 5 Star Privacy Rated as you would expect from Unusual Risks InsuredWhy we don't promote Google Star Ratings?

    You may see we don't have Google Star Ratings on our website — that's deliberate and this is why:
    1. We respect that our client's work with us is private.
    2. We never ask for or publish reviews or testimonials.
    3. We never ask our clients to disclose to the world their private work with us.
    4. We don’t track website visitors for re-marketing purposes on social media.

    Different ways you can work with us

    When working with us, most people choose email or phone as their preference, but you get to decide the way that's best for you.
    • We can complete all our work online (and with the very occasional snail-mail for an ink-on-paper-signature).
    • You can complete documents with us over the phone, over email or video chat.
    • Alternatively, we can also send you a secure web-link to complete them personally online at a time that's more convenient to you; your choice

    We're completely flexible and committed to ensuring equal access to the best specialty financial advice is accessible to all our clients, friends and supporters.

    Is our website safe to browse?

    When browsing our site you'll see the closed lock beside the URL.
    • This indicates all communication between your browser and our site (including email) is encrypted and safe using online HTTPS bank grade security.
    • We have also pre-emptively blocked Google's new FLoC Technology tracing too.
    • We use a secure client portal for all key interactions and electronic signatures and document delivery.

    We believe that nobody needs to know your private search history.

    Does our Privacy Standard make it hard for us to reach the right people for our services?

    • Yes! That's the challenge of providing a confidential service.

    (And we'd love your help with that,  so feel free to tell someone we're here and what we do).

    You can read more about our Privacy Policy.


    Where to Now?
    Continue your journey…

     

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

    young man looking out a window and thinking

    What has sexuality got to do with a Life Insurance application?

    The simple answer is — Not much.

    The honest answer is — A lot more than you'd think

    • Life Insurance companies traditionally haven't designed their products and services with LGBTQIA+ people in mind and tend not to consider the needs of diverse communities.

    Research shows when service providers assume their clients are heterosexual and use heterosexist language, this can result in discomfort, alienation, and even ongoing discrimination against a significant part of the broader Australian community, their families, and friends.

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

Go there!

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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