Anonymous Pre-assessment:

Income Protection Insurances

for people living with HIV

Have you been diagnosed HIV positive? *
Have you ever taken more than 2 weeks off work for HIV related issues? *
* Tip: Specifically for positive diagnosis health issues
Have you also been diagnosed with Hepatitis C? *
Do you also have a current mental health diagnosis? *
* eg: Have you been prescribed talk therapy or meds
Do you have any other related medical condition? *
Were you first diagnosed HIV positive outside of Australia? *
* Tip: Your approx. CD4 cell count within the last 6 months
Is your viral load currently undetectable ? *
* Tip: Undetectable = Suppressed
Are you keeping to your current treatment plan? *
Do you currently use recreational drugs (other than Cannabis)? *
Please specify recreational drugs currently *
Do you currently inject recreational drugs? *
Is there any other relevant information you would like us to know? *
Have you been refused or declined insurance in the last 12 months? *
Heads Up: Just letting you know, this may be a tough one and might take a little more time than usual to assess.
Please click to pre-assess then send us an email from the next page.

Version:2025|12

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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The advisor to Unusual Risks Insured: Drew Browne is an Authorised Representative and Sapience Financial Corporation Pty Ltd. ABN 29 086 679 718 is a Corporate Authorised Representative of an Australian Financial Services Licensee AFSL, NSW Complete Financial Services Group Pty Ltd ABN: 791 284 037 98 AFSL: 457600 . Any information provided is General Advice Only and we have not considered your personal circumstances. Before making any decision on the basis of this advice you should consider if the advice is appropriate for you based on your particular circumstance. Unusual Risks is a Trauma Informed Organisation (TIO) and affirms the Darlington Statement on Intersex Human Rights Australia.

Unusual Risks Insured acknowledges the Traditional Custodians of Country throughout Australia and their continuing connection to land, waters and community. We pay our respect to them and their cultures, and Elders, past, present and future.

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