self employed small business income protection for people taking PrEP self employed small business income protection for people taking PrEP self employed small business income protection for people taking PrEP self employed small business income protection for people taking PrEP self employed small business income protection for people taking PrEP income protection for people taking PrEP life-insurance small business income protection crisis insurance services total and permanent disability Most Common FAQ faq about hiv faq about PrEP faq about diabetes services

  • During an insurance application, will I be asked if I'm Bisexual?

    During a life insurance application, will you ask me if I'm Bisexual?


    There have been significant reforms to the way gay, lesbian, bisexual, intersex people and trans folk are treated by insurance companies.

    • It is no longer acceptable for insurance companies to ask if a person applying for a policy is gay or bisexual and insurers will not ask questions about sexuality.

    Companies cannot make assumptions about a persons sexuality from the details of their living arrangements, occupation or medical history.

  • Getting Life Insurance when you're living with an MS diagnosis

    three smiling women of different ages wearing colourful pink sportswear

    Are you living with a hidden complex health condition?

    It's time for a fresh look at living with a multiple sclerosis (MS) diagnosis and getting your life insurance and income protection sorted.

    MS affects approximately 2,5 million people worldwide, but when you live with multiple sclerosis (MS), it may already feel tough to relate to people who don’t have the condition. As people with an often hidden condition, they face challenges because of their disability but if they're also identifying as LGBTQIA+ the 'double whammy' of feeling like a “minority within a minority” can feel like more discrimination.

  • How can I pay my personal insurance premiums?

    What's the difference between Life Insurance and Life Insurance products?

    Life insurance is part of the personal insurance industry and life insurance products are similar products like Income Protection insurance, Crisis or Trauma Recivery insurance, Total and Permanent Disability (TPD) Insurance, Children Crisis insurance and alike.

    They are all concerned about protecting people; not things.

  • How do I get in contact with

    How do I get in contact with

    Simple. Just get in touch by emailor give us a call and we’ll arrange a time to chat further with you.

  • How do I prepare for an insurance application with

    How do I prepare for an insurance application with

    You will need the following information close to hand:

    1. Your GP’s name, address and full contact details.
    2. The common names and doses of any medications that you might be taking.
    3. The approximate date and reason for your last medical appointment, who it was with and the outcome eg: '6 months ago in September, I went to my local GP for a flu shot and some sinus medications I took twice daily for 4 weeks. etc.'
    4. The results from any medical tests eg: blood pressure or cholesterol results.
    5. Details of your medical history eg: the approximate date you were diagnosed with a particular medical condition if you have had extended time off work because of it etc.

    It’s a good idea to keep a Health Diary of important dates, tests, current medications or results that are significant for you.

  • How does a persons weight effect a life insurance application?

    How does a person's weight affect a life insurance application?

    A person’s weight is an important factor in a life insurance assessment. A Life Insurance company will use a Body Mass Index (‘BMI’) as a key measurement of general good health in insurance underwriting.

    • Simply put, an overweight person usually pays higher insurance premiums than a person at a healthy weight, and an obese person will have higher premiums than an overweight person.
    • Usually a BMI of up to 35 is considered typical. Once a person’s BMI reaches 39 or more, a medical exam will be required together with an MBA20 and HbA1c blood test.

    BMI is less of a health issue at older ages whereas the same elevated BMI level may be more concerning at a younger age.

  • How it works

    Life Insurance is a complex area with no second chance to fix a mistake

    Once you have a Life Insurance policy in force, it can't be taken away from you. But of course, there's the problem of getting one in the first place...

    Life Insurance is an 'underwritten financial product'. This means that levels of risk are often measured by insurance underwriters in 'likelihoods' and '% of chance'. Until recently, for HIV research, insurance underwriters had limited data to make predictions from so they simply refused to offer Life Insurance in circumstances where people were diagnosed with HIV.

    Why you need a specialist adviser from

    When you have a pre-existing medical condition, getting high-quality Life Insurance requires the expertise of a specialty Risk Insurance Adviser because of 4 key reasons;

    • The different medical underwriting requirements are complex
    • The assessment criteria change constantly 
    • Not all insurance providers are able to work with pre-existing medical conditions (but they don't tell you that up front so the resulting formal 'application declined' goes on your permanent record)
    • We specialise in navigating through this complex area

    4 Incredibly important things you need to know about life insurance

    Here are 4 significant differences that are often overlooked when setting up specialty life insurance.

    • Once a Life Insurance policy is in force, it's considered to be 'non-cancellable' by the insurance provider (as long as you continue to pay the premiums)
    • It's automatically renewed each year without any further assessment, for the life of the product (regardless of any changes in your health, occupation or personal situation)
    • You may have the option to select level premiums for the life of the product. This can mean savings of thousands of dollars over the life of the product. The earlier this is done, the greater the savings that can be achieved.
    • You may be able to pay the premiums from your superannuation fund balance. When done in combination with level premiums, this can be a very cost-effective strategy for most people.

    When taking time means good value to you

    These are also 4 reasons why Life Insurance companies spend a lot of time in the initial assessment of the policy — because once you have a policy, it can't be taken away from you. So, now you can see the value in having a non-cancellable Life Insurance policy that's right for you.

    The typical scenario

    Sadly, we come across situations where people have already applied for life insurance only to be refused based upon their lifestyle and their medical conditions.

    • Every time they apply for insurance again, (any type of insurance covered by the Duty of Disclosure laws) they are legally required to disclose all past insurance refusals otherwise an insurance company can refuse a claim based upon non-disclosure.
    • If they apply for insurance again, they are then legally required to disclose past insurance refusals. This often becomes a real cycle of pain.

    Our anonymous pre-assessment process prevents this damage from happening.

    Why the standard life insurance application form works against you when you have specialty needs

    If you're health-conscious, eat and exercise well, maintain your weight and have an active lifestyle, this is important information that should also be taken into consideration by a life insurance underwriter. But with a standard application form, none of this is taken into account, so the result is almost always an automatic 'no'.

    The disturbing reality is that the safety of your data is not safe when you don't use a specialist like Unusual Risks

    One of the common practices for general advisers and employed advisers is to simply 'send your health information around to different insurance companies' in the hope that one of them might be interested and provide feedback on whether they can help. The ugly inside truth is that many of the risk insurers don't admit they don't both or provide helpful feedback because of vested interests and concerns over commercial intelligence.

    • Unless you're a specialist adviser, you don't have the time to research and stay on top of the changes that occur on a monthly basis.

    So now you can see why you need the specialist team at to get you the result safely, efficiently and confidentially.

    Everything we do is all about giving you the best chance of success without the risk

    At Unusual Risks, we understand the underwriting processes and the medical requirements that insurers need to work with. We can present you in the most favourable light so that your chances of success are the highest.

    • We use technology to help us anonymously pre-assess your medical position so that potential difficulties can be dealt with — without the need to identify you and create a permanent record that might influence a future application.

    In reality, someone living with HIV or diabetes is still more likely to be turned down for life insurance by mainstream insurers than someone who doesn't have these conditions. If you are offered cover, you'll pay about the same premium as other people with pre-existing conditions such as cancer, certain kinds of heart conditions, or smokers.

    Our anonymous pre-assessment processgives you the absolute best chance of success.

    How we do it?

    • We start by providing up-to-date, high-quality relevant information about what's now possible for people living with diabetes or HIV.
    • Then we provide an anonymous online pre-assessment service so that people can quickly find out if their medical condition is one we can work with.
    • Finally, we check your medical information with you to confirm if you were to make a formal application for life insurances, you'd have a very significant chance of success.

    10 Good reasons to choose Unusual Risks as your specialty risk adviser

    1. You control the conversation
    2. Easy online pre-Assessment
    3. The ability to be pre-Assessed anonymously
    4. The ability to complete personal and private questionnaires securely online
    5. Our expertise and deep understanding of HIV and diabetes issues
    6. Our skill at matching the right clients' health profiles to the right insurance providers
    7. Our ability to talk about anything without judgment or embarrassment
    8. Our No-surprises No-BS Guarantee
    9. All our practices, procedures and interactions with our clients are Trauma Informed
    10. Your choice of communication method: Video-to-Video, phone-to-phone or face-to-face (or just old-school email).

    Tell us how we can best work with you, and we'll make that happen.

    Where to Now?
    Continue your journey…


  • How long does a formal Life Insurance application take?

    How long does the formal Life Insurance application take?

    About 20 – 30 minutes depending upon the level of detail needed. But you can help and collect the results of your blood work ahead of time, which will speed up the process.  And by authorising us to use that information in a formal application, the application process becomes super fast.

  • How long does it take for you to get all the medical reports collected?

    How long does it take for you to get all the medical reports collected?

    This is the longest part of the process and can take a few weeks or more, depending on how busy your doctors are and how many doctors you are using.

    The good news is we're really good at this and use a dedicated medical information collection service to manage this process for us.

  • How long does the online health pre-assessment take?

    How long does the online health pre-assessment take?

    The online Medical pre-assessment takes most people about 60 seconds, depending upon the level of detail needed.

  • How much life insurance cover do I need?

    young people running in water

    This question has always intrigued me because it sounds similar to the equally difficult-to-answer question, ‘how long is a piece of string?’

    I suppose the answer is, ‘as long as it needs to be and as much as you need to have’.

    But that's probably not going to move the answer along much, so here is a good place to start your thinking.

  • How to buy life insurance if you're LGBTQIA+

    two male partners on their phones sitting close together on a lounge

    An interesting question we're often asked is,
    'Who are the most uninsured people in the community?'
    The answer might surprise (and sadden) you.

    Young male P plate drivers? Young Tradies? Army Reserve personnel? Single mothers? No.

    The Australian LGBTQIA+ Community is one of the most underinsured and underserved markets with financial services.

    This of course then leaves them and their families at greater vulnerability than their straight counterparts.

  • I am part of a serodiscordant relationship – can my partner get the same high quality life insurance services from you as well at the same time as myself?

    I am part of a *Serodiscordant relationship – can my partner get the same high-quality life insurance services from you as well at the same time as myself?

    Absolutely! The clever people behind run a complete financial advisory practice and provide all our services under the parent company name Sapience Financial. We have a range of standard & specialty clients.

    • Over the last 20 years, Sapience specialty clients have established in excess of $30,000,000 insurance cover and received over $5,000,000 in insurance claim payments.

    You're welcomed into our family, regardless of gender, sexuality or diagnosis.

    (*Serodiscordant is sometimes referred to as a mixed-status relationship and is usually one where one partner is not HIV positive)

  • I've previously had a diabetic coma, can I still qualify for life insurance?

    What if I’d previously had a diabetic coma, can I still qualify for life insurance?

    This type of event is seen as a complication to a pre-existing condition and would raise some additional questions about health management, but is best seen in the light of the surrounding circumstances. 
    For example, you might have had this event as a child. For younger people, this could be more difficult to work with but it would need to be assessed on a case by case basis- and that's our skill.

  • I’m not Out so is that an issue?

    I’m not Out so is that an issue?

    No. Never an issue.

    Life insurance is about data and statistics. It has nothing to do with sexuality, gender expression, lifestyle, identification with a lifestyle, labels or tags.

    • We don't ask about sexuality identification and nor should anyone.
    • Not all people and not all partners identify in traditional ways (whatever that is)
    • Not all people and not all partners want to be Out and that is always their choice.

    We believe all people should always be respected; regardless of who they love or how they identify (or don't).

    The team at believe it's always the individual who matters more than all of that put together.

  • Income Protection

    Protecting yourself from sickness and injury – so you can keep on earning a living.

    We help people living with well-managed HIV, diabetes or other complex health conditions get high quality Income Protection cover

    Previously, people with complex health needs were excluded from high-quality Income Protection - now that's changed for our clients.

    • Income Protection is an insurance cover for one of the most important assets of all – your ability to continue to keep on earning a living.

    Explaining Income Protection

    Income Protection insurance as the name suggests is designed to protect your ability to continue to earn an income and pay up to 70% (previously 75%) of your income if you're unable to work due to sickness or injury. It can provide cover worldwide 24/7 and can even protect 100% of your employer's super contributions too.

    • The waiting period is the number of days before the income benefit payments start. It can be as short as 14 days and can be as long as 12 months (or even more), whatever you choose.
    • The benefit period is the length of time you’ll receive payments while you’re unable to work due to sickness or injury. These can often be for set periods of 2 years or more, even up to age 65 (and now in some cases age 70), depending on what you choose.
    • The payment method is the way you agree to pay the insurance premiums. These can be from your personal funds, perhaps from your super fund or even a combination of both, depending upon whatever you choose.

    There are so many different options available with Income Protection.

    Your financial advisor from unusual risks is the expert to best help you understand your options and cut through what can often feel an overwhelming process to find your unique solution.

    Our income drives our lifestyle - not just paying rent, mortgages, car loans and credit cards, but living a full and interesting life Drew Browne

    Practically speaking - always protect what you cannot afford to lose

    Case Study

    Meet Amber and Jenni: corporate professionals who, like most Australians, rely upon their weekly wages to maintain their lifestyle.

    Leanne had a back injury that over time deteriorated into a herniated disk in her lower back and she needed to claim upon her income protection insurance.

    This is how Leanne's income protection was useful in three different ways;

    • While needing to work part time with reduced hours due to the injury, her income protection insurance helped cover the part time loss of wages.
    • A year later when the doctors decided a surgical solution was needed and Leanne was unable to work at all, her income protection helped cover the full-time loss of wages while surgery, recovery, and rehabilitation occurred.
    • After successful surgery and rehabilitation, Leanne returned to work, initially part-time. Her income protection insurance again helped cover the part time loss of wages until she was able to fully return to work and continue her normal job. At that point, her income protection stopped and life returned to a new type of normal.

    Having access to flexible income protection, Leanne was able to take time off work as she needed and have her income continue to meet her mortgage, car loans, manage credit cards and plan a way through with financial certainty.

    In an unrelated incident the following year while cleaning a blocked gutter in the rain, while standing on a wheelie bin, Leanne slipped and broke her leg and was off work again - and her income protection commenced again as it was needed.

    Why you may need income protection

    The financial engine of our lifestyles is our continuing ability to earn our incomes.

    Over the course of a lifetime, most people will earn a small fortune (and rely upon their super contributions for their ability to eventually retire).

    Quick Tip: Just multiply your current annual income by the remaining years until you reach age 65 (retirement age) and you’ll see what you really have at risk if you lose your ability to earn an income.

    Protecting your ability to continue to earn an income makes clear financial sense.

    It’s especially relevant for:

    • Single people who might not have strong family or relationship support
    • People in relationships depending upon dual incomes
    • People with ongoing debts, like a mortgage, rent, credit cards and personal loans that couldn't be paid if they were unable to work due to sickness or injury.
    • People who have regular family expenses like food, household bills, council rates or strata fees, school fees, vehicle costs (and perhaps child support payments or IVF treatment costs) and who don't have immediate access to substantial savings to use to replace their lost income if needed
    • People who want an effective backup plan in place if one (or both of their incomes) were to stop due to sickness or injury

    A special note for self-employed people

    Self-employed and business people have different needs and restrictions on their incomes so if that's your situation, relax, the professionals behind Unusual Risks Insured can talk you through your special options too.

    Real Life Statistics

    • 20% of all mortgage defaults in Australia are ‘due to illness or accident in household'
      (Mortgage default in Australia: nature, causes and social and economic Impacts, Australian Housing and Urban Research Institute, March 2010)

    How it works together with other insurance covers

    This is how Income Protection works alongsideTotal and Permanent Disability.

    • Income Protection insurance is designed to protect up to 70% of your income after a waiting period of your choice, while you cannot work due to sickness or injury.
    • TPD insurance is designed to protect against long-term disability and pay a lump sum after 6-month wait if you become permanently disabled, as defined in the policy and you can no longer work in your current occupation.
    • Crisis Recovery insurance is designed to pay an immediate lump sum to help offset short-term unexpected medical expenses should you suffer a medical crisis specified in the policy, to help stabilise debt obligations and personal cash flow.

    Together they can protect you against short term interruption in your ability to go on earning your income and long term permanent disability when you meet the conditions of both insurances you can receive both benefit payments

    Questions people ask about...

    Income Protection Insurances

    Take a look at some quick questions people ask about Income Protection Insurance.

    What is it?

    Income Protection Insurance provides a regular payment in place of your income if you’re unable to work for extended periods due to injury or illness.

    • Income Protection can protect up to 70% of your earned income if you're sick or injured and can't continue to work in your current job.

    How it helps you?

    Income Protection can help get you through a difficult period, without having to eat into your savings or rely on outside help – so a temporary setback to earning your income doesn’t put you behind for years.

    What's the chance of needing it?

    • There is a 1 in 4 chance of needing to claim for Income Protection insurance during your working life.

    It can pay you for as long as you remain temporarily disabled and unable to work, as specified in your policy and depending on the policy, can also replace your super fund contribution, so your retirement savings can keep growing even while you’re unable to work.

    Do I need Income Protection insurance?

    Most probably, Yes.

    You have a 1 in 4 chance of being off work for at least 3 months due to sickness or injury before you reach age 65 and most people do not have sufficient liquid assets in an emergency fund to replace their income (and continue to pay their regular bills) for more than 30 days.

    When you start thinking about Income Protection insurance, you're also protecting your ability to continue to receive an income until you either recover or retire.

    Where to Now?
    Continue your journey…


  • Insurances for Business Owners & Partners

    Business Owners and Professional Partners have unique risks and needs not usually adequately covered by their private family insurance plans.

    Business is filled with uncertainty. Now you can plan for that.

    While the risks to businesses are seemingly unending, the personal risks to Owners and Professional Partners can usually be found in 4 areas.

    These become increasingly sensitive and complicated issues for business owners and business partners who may have specific personal medical issues that deserve an enhanced level of privacy and are kept totally separate from their commercial activities.

    • Company directors may need to use life insurance to protect the company trading debts, the director's account (when Director's funds have been lent to the company) or to protect the capital investment.
    • Business partners may need to use insurances to limit becoming personally liable for company losses as their personal homes are often cross-securing the company debts.
    • Partnerships and Investors may require company key-persons to use a range of insurances to help protect capital invested.

    Why is this really important?

    Personal insurance applications are one of the very few areas in business life where an individual's personal health and lifestyle is mandatorily required to be disclosed.

    • Your private health and lifestyle history is considered an integral part of the insurance application and assessment process. This is because personal insurances are contracts between the life insured/policy owner and the life insurance company, so there's a legal duty to take reasonable steps not to mislead under Section 20B of the Insurance Contracts Actrequiring the full and frank disclosure of all personal sensitive medical and personal health data.
    • Should an application for insurance be formerly declined, this can have unintended and long-lasting effects on so many areas that it becomes a risk to all future insurance.

    This is why you need a specialty financial adviser from to help an individual and their company through the process.

    Read our article published on LinkedIn Pulse - Professional people with chronic health conditions need their own life insurance adviser - and this is why (or in our blog here) about why many professionals and business owners are using our services for enhanced privacy.

    How it all comes together.

    Business Key Person and Debt Protection

    The death or disablement of a key person could have a significant impact on the revenue of a business and therefore its ability to meet its day-to-day expenses.

    • This could be because the key person for example, has a unique skill or has particular knowledge relevant to the business or has relationships with key clients nationally or internationally.

    Business Fixed Expenses Protection

    Business Overheads cover, (also known as fixed business expenses cover), allows a business to continue to pay its fixed expenses if one of the business owners becomes sick or injured.

    • This type of cover usually pays a monthly benefit to the business, to meet its day-to-day fixed costs, generally for up to 12 months, if the insured person is disabled and is unable to work in the business at their full capacity.
    • All family businesses need an insurance firewall to reduce business liabilities becoming personal liabilities.

    Insurance policies to cover business overheads are generally owned by the business entity, sole traders or partners (in the case of a partnership and the policy premiums are generally tax-deductible, and the proceeds are treated as assessable income to the business.

    Building protection into your business planning is one of the most important decisions you can make.

    Business Owner and Professional Partnerships protection

    At some point, many businesses will borrow money from a financial institution or a director – this may be to provide a business with capital for a major purchase or improvement, or simply to provide a source of working capital.

    The purpose of business debt reduction insurance is to protect the business against its debts and to protect the guarantor and their estate against any claim over their personal assets.

    • If the Key-person or Guarantor to a business loan experienced a serious illness, accident or worst - an unexpected death - a business could experience significant financial difficulty and may find it hard to continue to meet all of its loan repayments.
    • A loan default could result and then trigger a 'call-up' of the business loan facility (usually 7 days notice) with a demand for the loan to be repaid in full.
    Most 'at call loans' deem a Key Person death or disability as an automatic trigger event to call up the loan.

    Business Owner & Partner Succession Protection

    If you own a business with other people, it’s important for everyone to agree on how the ownership of the business will be transferred, should one of the owners (or principals) pass away, become disabled, or leave the business for another reason; eg: resignation or retirement.

    • This is referred to as business continuation or succession, planning.

    How that is made possible is usually heavily dependent upon;

    • successfully applying and establishing personal insurances for protecting business risks, and
    • involves the full and frank disclosures of all personal sensitive health and lifestyle information.

    These create multiple specialty risks.

    Unusual risks are the experts to manage and protect the information security and advice structures required by these business owners and professional partnerships.

    logo of our parent brand Sapience FinancialAre you a business owner with additional business-related risk needs to consider?

    For small business Business Owners, our parent brand Sapience Financial has a significantly more detailed website designed especially for Professionals, Partnerships & Business Owners (and their families) where we address many of the risks and personal liabilities many business people (and their families) carry. On that website site business owners can browse through more tailored information and education on business risks.

    Feel free to continue yoiur business conversation with our small business financial advice brand Sapience Financial, here.

    Where to Now?
    Continue your journey…


  • Insurances for People taking PrEP

    Good News for Australians taking PrEP for HIV prevention.

    People taking PrEP are now eligible for the full range of Life Insurance products stigma-free: if you know specialist Financial Advisor Drew Browne, the person behind

    PrEPThis means people using PrEP can get a full range of insurance covers;

    All policies are now available to Australians taking PrEP - stigma and attitude free - through the specialist financial advisers behind

    So what is PrEP?

    You may have already heard about PrEP or perhaps you're looking for more information about how it affects your chances of getting Life Insurance or Income Protection cover?

    Either way, PrEP is a medical breakthrough that's already playing a vital role in the efforts to End HIV by 2020.  Now the medication is listed on the PBS (Pharmaceutical Benefits Scheme), just about anyone can now get on it.

    Taking PrEP is a highly effective medication for preventing exposure to HIV.

    • PrEP is an acronym that stands for pre-exposure prophylaxis. It involves HIV-negative people taking antiretroviral drugs to protect themselves getting HIV and prevent HIV infection – in just one tablet a day.
    • PrEP is, as the name implies, a pre-exposure strategy, unlike post-exposure prophylaxis (PEP), which is taken after potential exposure to HIV has occurred.

    In a nut-shell

    • Pre-Exposure Prophylaxis (PrEP) or technically more accurately, HIV Pre-Exposure Prophylaxis (PrEP), simply refers to the regular use of HIV medications by HIV-negative people to prevent them from acquiring HIV.

    • Studies also show it helps lower HIV- anxiety among its users. *JAIDS Journal 11.2019

    Who is taking PrEP?

    Whether exposure to HIV is through sex or needlestick injuries, there are many people using PrEP to prevent them from being exposed to HIV and taking control of their sexual health and future well-being. 

    • Studies show PrEP is effective but the uptake of PrEP has been slow with research showing that's partly due to Stigma and Discrimination concerns - something the team at understands and provides a complete solution for when you need to apply for Life Insurances or Income Protection.

    In Australia, lots of people use PrEP for lots of reasons

    • Some sexually active gay and bisexual men, transgender people and heterosexual people with an HIV positive partner who doesn't have an undetectable viral load, are part of the population groups at higher risk.
    • Similarly, Medical Professionals, Police, Fire, Ambulance and Emergency Services Workers are all at higher risk of occupational exposure to blood-borne viruses through sharps and needlestick injury.

    Real Life statistics

    • In Australia, approximately 30 needlestick injuries (NSI's) per 100 beds occur per year.
    • At least 18,000 healthcare professionals suffer from an NSI every year.
    • And 80% of reported NSI's involve a contaminated needle. The Alliance for Sharps Safety and Needlestick Prevention in Healthcare

    Research shows that the medication used for PrEP is highly effective at preventing HIV transmission among these population groups.

    You can learn more about PrEP here.

    What's the problem with PrEP and getting Life Insurance?

    Up until now, Australians taking PrEP have faced uncertainty, stigma and discrimination from Life Insurance companies towards the use of PrEP (and routinely find they also have to be the educator about PrEP).

    • People applying for insurance through online comparison websites report completing the application with full lifestyle and medical disclosures, only to feel insulted when a formal decline is issued due to 'lifestyle considerations'
    • People applying for insurance in their Superannuation fund report being routinely knocked back (and usually after having to disclose a full medical and lifestyle history) as the insurance provider doesn't 'deal with PrEP users'.

    Most insurance companies and super funds simply do not provide underwriting for people with unusual occupations, hobbies, pastimes or lifestyles - if you get what we mean.

    That's why people use the expertise of to get their insurances sorted - stigma-free.

    How have Life Insurance companies treated people taking PrEP?

    The New York Times broke the story of Dr. Philip Cheng, a urologist in Boston taking PrEP and being denied full insurance cover until he stopped taking, Truvada (the pharmaceutical brand name for PrEP) to prevent HIV infection.

    • Many people applying for Life Insurances when disclosing they are taking PrEP to prevent them from being exposed to HIV have found themselves discriminated against and received forced formal declines on insurance applications for Life Insurance or Income Protection cover.

    When American News is not accurate or helpful for Australians

    Today as many people get their news from the internet, the growing risk is it may not always be relevant in Australia.

    • Many American Life Insurance companies take a discriminatory approach to how they underwrite the use of PrEP and outright deny any form of insurance coverage.

    • Many Australian Life Insurance companies and Superannuation Funds formerly decline applications for insurance by people using PrEP and discriminate in a similar way against people with well managed HIV or Diabetes.

    Good news for Australians taking PrEP

    The good news is Australians using PrEP and who need Life Insurance or Income Protection, now have a clear pathway to getting their cover sorted - stigma and discrimination free - through

    Where to Now?
    Continue your journey…


  • Is a life insurance application re-assessed each year like car insurance?

    Is a life insurance application assessed each year like car insurance?

    No.  An application for personal insurance is assessed once and then the policy is issued. It's yours for the life of the product. Because it is assessed only once, it can’t be forcibly changed on you.

    • Personal Insurance policies are guaranteed renewable. (As long as you pay the premiums, the policy is yours to keep regardless of any change in your health, your occupation or health status). That's complete peace of mind.
    • General Insurance policies usually have to be re-issued every year. Because they usually only last a year, they have to be re-applied and re-assessed annually too. This means that as your situation changes, you may no longer qualify to be insured with one of these general insurance products.

    The sooner you get your personal insurance in place, we believe the better off you'll be.

  • Is Telemarketer direct insurance good for pre-existing medical conditions?

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 ]

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