What's on Offer

So what type of insurance is on offer?

Today, everything

When unusual risks first started making specialty insurance available to people living with HIV and other chronic manageable health conditions, only Life Insurance cover was available with unusually limited terms and conditions.

Over the years and after an immense amount of working with the international re-insurance teams, we are now proudly able to say, all types of insurance cover is open to all our specialist clients - and all through our enhanced privacy management process and health pre-assessment system.

The Good Stuff!

We believe the highest quality personal insurance products are the ones that clearly indicated what they do and do not cover upfront and who complete all their underwriting and assessments during the initial application; not left, or deliberately postponed until claim time.

This means there are no hidden agendas, problems or extra work required during the most important time of the policy – claim time.

  • In a perfect world, everyone has access to the highest quality insurance available and the best risk advisers
  • But we don’t live in that perfect world yet so different types and levels of insurance cover are used to best meet the different needs of people

Whether it’s a ‘best to budget' scenario, ‘take whatever I can get’ scenario or you want to ‘top up your existing cover' to protect the new mortgages or celebrate the arrival of a new member to the family – we can help you get through this minefield safely with your dignity and privacy intact.

Our expertise includes strategy, helpful advice and access to

Helpful advice for Everyone:

Helpful advice specifically for Business Owners

So what's 'not' the good stuff, we hear you ask?

Some insurance companies have taken a token approach to insuring people with HIV and provide 'time-limited' life insurance policies.  These low grade cut-down policies were designed, some would say, to take commercial advantage of people who could least afford to run the risk of never being able to claim on them because of their deliberately designed time-limited structure.

  • A time-limited policy is an outdated policy that lasts for a 5 or 10 year period only - then are effectively cancelled when the term finishes
  • Similar to a car insurance policy, these time-limited policies have to be reapplied for at the end of the contracted period when the acceptance criteria goalposts can be moved by the insurance company at will.
  • Fresh medical, lifestyle and occupational assessments are required with no certainty of being eligible for cover.
  • Any policy that specifically excludes HIV.

We believe that people deserve better, but better was difficult to find for the average person.

That's why the team at Sapience Financial built the specialty brand unusualrisks.com.au - to be the change they wanted to see in the world.

Did you know some insurance premiums can be paid form a Super fund?

A cost-effective way to pay the premiums for your personal insurances, like Life, Income Protection and TPD insurance is either automatically from a Super fund or split between Super and Personal payments?

Talk with us more about your options when you're ready.

Where to now?

  Have questions? See Frequently Asked Questions.

  Make sure you Browse through our Blog.

  Ready to know if we can work with you? Take our Anonymous Pre-assessment.


Fast Site Search

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

Take Our Anonymous Pre-assessment

Whatever your situation, we can help you

  • Single

    Age is no indicator of relationship status or financial responsibility.

    • You can be young and starting out or older and established; and both enjoying living the single life.
    • You might be single, single again, sometimes single, single with kids, single with pets or perhaps something a little more complicated.

    When it comes to being single in the LGBTQI+ community, there's really no such thing as average.

    And it's your single life, so live it your way.

  • Partnered

    Sharing life and love with someone can be twice as exciting.

    • You might be partnered, partnered with pets, officially de facto, officially married (yay!), splitting expenses but sharing life, or joining incomes and combining financial lives too.
    • You might be together but living apart, working towards a future with kids, thinking about fostering, adopting, IVF or surrogacy; or perhaps something a little more complicated.

    When it comes to being partnered in the LGBTQI+ community, there's really no such thing as average.

    There's no right or wrong way to live a purposeful life, just what works for you both.

  • Parenting

    For today's LGBTQI+ families, there are no accidental families.

    • You might be parenting and single with kids, parenting solo with kids, parenting and partnered with kids, (yours, theirs and ours), dual parents with kids, co-parents, foster parents, adoptive parents, or even adoptive parents of kids with additional needs (just beautiful!).
    • You might be a lesbian co-parenting couple or super involved 'Guncles' or Aunties. You might not even identify with the broader LGBTQI+ community but find yourself a parent in a same-sex relationship, or perhaps something a little more complicated.

    When it comes to parenting in the LGBTQI+ community, there's really no such thing as average.

    However you're doing it, Love makes a family.