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.

$ 63000000

Amount of Speciality Life Insurance in place

for people living with HIV, Diabetes, & other hard-to-insure health conditions

$ 8700000

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

when there is no average situation, person or circumstance unusual risks insured Australia

Wherever you are on your life journey


When it comes to the LGBTQIA+ Community, there's really no such thing as average – there's just way too much diversity among us for that.

That said, we've found three different life stages shared by many.

If you're Single, Partnered or Parenting, we can help you better understand your options and help you make some fabulous decisions.

surrogacy agreements

Individual Case Studies

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

Whoever you Love, however you Identify, regardless of any Gender you may (or may not) identify with, everyone is Welcome Here!

Browse Our Blog

Go there!

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

Read More

Are you newly diagnosed with diabetes?

Read More

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

Read More

Happy Sydney Mardi Gras 2023!

Read More

Do I need life insurance if I'm Single and LGBTQIA+?

Read More

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

Unusualrisks.com.au provides support to those people who 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 that, as an LGBTQIA+ person (or someone who goes without labels entirely), you 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 #AdviceEquality.

Make us part of your story so should the unexpected happen 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

Risk Insurance Providers

AIA

AMP

asteron

BT

clear view

comminsure

Integrity

macquarie

MetLife 1

MLC

neos

one path

TAL

zurich

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

 Progress Pride Flag

Logo of Unusual Risks Insured

Sorry, this website uses features that your browser doesn’t support. Upgrade to a newer version of Firefox, Chrome, Safari, or Edge and you’ll be all set.