The Team behind Unusual Risks Insured

We enjoy the fierce support of clients, friends and supporters along with a team of committed and focused professionals managing, 'the way we do things around here'.

The Brand behind the brand

Unusual Risks Insured is the specialty brand of Sapience Financial and was designed as an online resource for the many Australians who are living with hard to insure occupations and complex health conditions.

With complexity, often comes misunderstanding and ignorance; and sadly, often stigma, social judgement and discrimination.

In pushing back against these insidious barriers to people simply protecting themselves and their families, in 2010 Sapience Financial launched our speciality brand Unusual Risks Insured – because we wanted to be the change we wanted to see in the world around us.

The People behind the brand

We now serve people and communities who may have higher privacy needs (that's why we don't use Social Reviews), and who benefit from the expertise of a specialist personal risk financial advisor.

• Our team leader is Drew Browne (he/him), a specialist personal risk advisor of over 25+ years’ experience working with and advocating for, people with additional needs: from hard-to-insure occupations, sensitive and complex health conditions and folks using IVF and Surrogacy to grow their family.
• Unusual Risks Insured has the expertise of our Commercial Nurse Consultant (CNC) advising us about medical interactions of different medications and treatments.
• Drawing upon a legal background, Drew's regularly asked to advise commercial and social groups about opportunities to better managing their personal risks.

We celebrate diversity and believe taking an inclusive approach to life and business is the only way we can truly create belonging and equality. And we’re all about #Advice Equality, and a fair go for all.

Why not make us part of your journey?

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

Why 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.

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.