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So what type of insurance is on offer?

Today, everything

When Unusual Risks Insured first started making specialty insurance available to people living with HIV and other chronic manageable health conditions, only Life Insurance cover was available usually with restrictive 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  • A time-limited policy is an outdated policy that lasts for a 5 or 10 year period only - then are effectively canceled when the term finishes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.

Thats why the team at Sapience Financial built the specialty brand unusualrisks.com.au - to be the change they wanted to see in the world.logo of our parent company Sapience Financial We believe that people deserve better, but better was difficult to find for the average person.

Did you know some insurance premiums can be paid from 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 Superfund or split between Super and Personal payments?

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

Where to Now?
Continue your journey…


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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

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

Everyone is Welcome Here!

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