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

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surrogacy

  • Does all existing Income Protection Insurance automatically cover IVF complications?

    Does all existing Income Protection Insurance cover IVF complications?

    No.
    Income Protection Insurance policies vary in quality, what they cover, and how they each define a sickness as it relates to a pregnancy. An Uncomplicated Pregnancy is a difficult term to define and every insurance provider will have a different approach as it relates to IVF procedures and possible complications. This is why you need to work with a specialist risk adviser at Unusual Risks Insured who understands the complexity that can be Income Protection Insurance and Pregnancy.

  • Insurances for Intended Parents & IVF Surrogates

    The labour of love that is Altruistic Surrogacy in Australia

    Altruistic surrogacy is legal in Australia and so is paying the premiums for a Surrogates' Life and Disability insurance policies.

    Who’s using Surrogacy in Australia?

    For many Australians, having children and raising a family is a natural and important part of their lives. But for some people, this dream doesn't come easily and when other avenues have been exhausted, options for surrogacy are considered.

    • The intended parents, (sometimes referred to as commissioning parents), are the parents of a child born through surrogacy.
    • A surrogate is a woman who carries a baby for a couple or individual who cannot conceive naturally on their own.

    Different types of surrogacy

    Gestational Surrogacy(as opposed to Traditional Surrogacy) uses a form of assisted reproductive technology (ART) where a woman (the surrogate) offers to carry a baby through pregnancy on behalf of another — a person or couple, same-sex or heterosexual — and then returns the baby to the intended parent(s) once it’s born.

    The gestational surrogate has no genetic link to the child she carries as her eggs cannot be used to conceive the child.

    Traditionally, surrogacywas one way only heterosexual couples, who had difficulty falling pregnant or who were unable to carry a pregnancy safely, could have a child of their own.

    Now a growing number of single parents and same-sex couples looking to start their own families are looking to use Surrogacy.

    What's our part in this journey?

    Vertical chart IVR and Intended parents cycleWe're all about protecting both the intended parents and their surrogates from the major insurable risks of life and unexpected disability.

    We specialise in helping;

    • intended parents get the highest quality life insurances in place for themselves, and help them
    • arrange life and disability insurances for their surrogate

    in a respectful and confidential way, with a minimum of paperwork and no need for a face-to-face meeting.

    Life and Disability Insurances for your surrogate should be established well before any medical assessment or attempts to become pregnant.

    Download our Insurance Timeline Chart

    Learn more about the IVF & Insurance Timeline to arrange Life Insurances for Intended Parents and their Surrogate. Download our free resource, When to Arrange Intended Parent and Surrogate Life Insurances, chart.

    We understand not everyone understands

    If you're an intended parent and partway through the roller coaster that can be Altruistic Surrogacy in Australia, you may have already spent what feels like a small fortune on medical and legal costs.

    We also understand you may even have had to battle a level of ignorance and stigma from the un-informed portion of the community, or even extended family.

    • The team behind Unusual Risks Insured respects your need for privacy and completes all our work under the brand name of our parent financial advice company, Sapience Financial a financial advice brand that provides a wide range of different financial services Australia-wide.

    The uncomfortable truth and what you can do about it

    Although it may not be the most pleasant thing to think about, it's true pregnancy is not without risks.

    • From early pregnancy until some weeks after delivery, the statistical reality is pregnant women have an increased risk of mortality compared with women who are not pregnant.

    This is why Unusual Risks Insured provides comprehensive life insurance and disability protection for intended parents and their surrogates.

    Critical steps in keeping everyone safe

    Family Protection planning involves;

    • understanding the statistical realities of life, and
    • the critical role Life Insurances and Estate Planning documents (like Wills and Powers of Attorney) all contribute to building a safety net under your family's future.

    We can help you with all of these critical steps.

    It is important to protect everyone involved in a surrogacy arrangement against the risk of one of the adults involved unexpectedly dying or unexpectedly becoming long-term disabled?

    The intended parents should;

    1. Arrange and pay for life insurances for their surrogate, to make sure her family is financially protected if anything happens to her as a result of the pregnancy, and
    2. Arrange and pay for life insurances for themselves and their future family
    3. Include their future child in their current Estate Planning by nominating potential Guardians and providing the protection of a backup inheritance from a life insurance policy in case one or both parents were to unexpectedly pass away before their child turns 21.

    The Good News

    We can help you with these critical steps in your surrogate journey.

    We understand the complex process (and an array of emotions) that can be part of the surrogacy journey, so we create solutions to fix potential problems before they ever arise so you can have more time and emotional space to enjoy the journey you’re on together.

    Who we work with?

    We work with intended parents who are;

    • ready to get their own life insurances sorted, and
    • ready to protect their Surrogate with the highest quality life insurances, too.

    To protect one without the other puts everyone at risk

    Australian Law

    Laws relating to surrogacy are managed independently by different Australian states and territories.  Altruistic Surrogacy is legal in Australia as is paying for a Surrogates's life insurance and disability insurance policy premiums.

    Law in NSW

    In NSW, the Surrogacy Act 2010 recognises certain surrogacy agreements, prohibits commercial agreements and clarifies the status of children born via surrogacy.

    Section 7(3)of the Act outlines what is considered the surrogate's reasonable costs associated with the pregnancy or birth as;

    (a) any reasonable medical costs associated with the pregnancy or birth (both prenatal and post-natal),
    (b) any reasonable travel or accommodation costs associated with the pregnancy or birth,
    (c) any premium paid for health, disability or life insurance that would not have been obtained by the birth mother, had the surrogacy arrangement not been entered into...

    Law in other States & Territories

    Benefit from our professional privacy and expertise

    We understand for intended parents, knowing how and who should best arrange high-quality life insurance for their surrogate can be complicated and loaded with privacy and practical personal concerns.

    For over 20 years, the Financial Advisers at Unusual Risk Insured have watched Australian legislation lag behind the needs and demands of the community and how insurance companies have tried to quietly avoid this type of client; so were decided to be the change we wanted to see in our community.

    All life insurance policies vary from company to company, as do their policy features and conditions.

    • Sadly, the attitude of many insurance companies towards what are usually short term policies, are often less than welcoming
    • Some life insurance companies deliberately tilt their policy wording towards people having pregnancy inside families, rather than outside.
    As the awareness of Surrogacy increases, some insurance companies have started writing policies that only cover a pregnancy within the family, not a surrogate pregnancy.

    Why work with us?

    Whether you’re an intended parent or prospective surrogate, it's important you work with a specialist financial adviser who understands both;

    • the technical nuances of getting the right policy cover for you, and
    • who respects the deeply human connection involved when a person decides to be part of a surrogacy journey.

    How to work with us

    Our fee-for-service advice model allows us to provide Intended Parents with the highest quality insurance for their Surrogate, at a wholesale price - something simply not available through traditional sources.

    Additional value for a Surrogate

    After the pregnancy, a Surrogate also has the option to simply take over the insurance policy (and keep its wholesale price structure) - potentially saving them thousands of dollars off the standard premium rates over the length of a life insurance policy.

    If you're looking for additional online resources?

    Make sure you're aware of these recourses:

    Where to Now?
    Continue your IVF Journey…

  • Ricki & Devesh New Dads-to-Be through Surrogacy & IVF

    two proud young men of differing ethnic appearance holding their first sonogram phone of therei soon to be born child by surrogacy

    Ricki and Devesh are a same-sex couple who first met at University and later married after the Australian Marriage Equality plebiscite in December 2013. Ricki is a Florist and Devesh is an Account Manager for a pharmaceutical company.

    For years they wondered if it was ever going to be possible for them to start a family together. They learned all about the Australian foster care system and adoption and even looked at expensive overseas options too.

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

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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

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