Australian surf lifesaver watching the waves for risks

We follow a 7 Step Information Collection Process so you always know what to expect and when

Complete 7 Step Information Collection Process by Unusual Risks Insured

Once you decide to take the next step and see what type and amount of insurance cover you're eligible for, we like to follow a careful information collection process so we don't miss anything important.

  • You might already have an idea of how much insurance coverage you want — great, just let us know.
  • You might want us to advise you how much cover you should have — no worries, we'd love to help you with that too.
  • Either way, it starts with you considering the key questions below.

We understand that every decision ultimately comes down to the available budget, and usually, people take a 'best to budget' approach to getting as much cover as they can, for the budget they have in mind.

Regardless of the type of cover you choose, we need to get to know you and your financial needs better so we can understand your position and what you're looking to protect and achieve.

We want to understand enough about your personal and financial situation to help you understand your key risks, your options and how to achieve your key financial goals Drew Browne

Most questions we ask are much the same for everyone

The key questions below are designed to ensure your debt levels are covered, your dependents are considered and your future earning capacity is protected so you can protect your financial goals.

These are the initial types of questions we need to ask to start to get to know who we're working with:

  • Are you a non-smoker or a smoker?
  • What's your date of birth?
  • What is your height and weight?
  • Are you an Australian resident or here on a Visa?
  • Are you single or partnered?
  • Are you renting and if so, what is that approximate cost per month?
  • If you are repaying a mortgage, what is the approximate cost per month?
    • If you have a mortgage, is it in your name alone or are you a co-borrower with dual debt responsibilities?
  • What type of work do you do?
  • Are you an Employee or Self-employed?
  • What's your approximate level of income per year?
  • Do you have children or elderly parents (or someone else) who are financially dependent upon you?
  • Do you have a Power of Attorney or Power of Enduring Guardianship in place?
  • Do you have your Will in place yet?
  • Do you have your superannuation beneficiary nomination already in place?
  • Do you have any existing health conditions we need to take into account?
  • Have you ever been refused insurance cover in the past?
  • Have you ever submitted a Workers Compensation claim in the past?

While we may be provided advice on a single or limited range of issues, there may be times when we need to ask you additional questions about other aspects of your relevant circumstances just to make sure we can act in your best interest.

Watch our client video and learn what to expect during an insurance application.

Where to Now?
Continue your journey…


Take Our Anonymous
Online Pre‑assessment

Find out in 60 seconds if your personal situation is one we can work with



pre assessment online unusualrisk 01

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!

Phone: 1300 137 403
Send a Message here

Get Advice-on-Demand via
email | phone | video | face-to-face

Everyone is Welcome Here!

 Progress Pride Flag

Logo of Unusual Risks Insured

Risk Insurance Providers





clear view




MetLife 1



one path



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.