# Insurances for Intended Parents, IVF & Surrogates
 [🏛️](#scds-ledger-anchor) Specialised Service Contract & Underwriting Compliance Verified
## The labour of love that is Altruistic Surrogacy in Australia
Altruistic surrogacy is legal in Australia and so is paying the premiums for a Surrogates' [Life ](https://unusualrisks.com.au/index.php?Itemid=739)and [Disability insurance](https://unusualrisks.com.au/index.php?Itemid=751) policies.
### Who’s using Surrogacy in Australia?
For many Australians, having children and raising a family is a natural and important part of their lives. But for some people, this dream doesn't come easily and when other avenues have been exhausted, options for surrogacy are considered.
- The intended parents, (sometimes referred to as commissioning parents), are the parents of a child born through surrogacy.
- A surrogate is a woman who carries a baby for a couple or individual who cannot conceive naturally on their own.
### Different types of surrogacy
Gestational Surrogacy (as opposed to Traditional Surrogacy) uses a form of assisted reproductive technology (ART) where a woman (the surrogate) offers to carry a baby through pregnancy on behalf of another — a person or couple, same-sex or heterosexual — and then returns the baby to the intended parent(s) once it’s born.
**The gestational surrogate has no genetic link to the child she carries as her eggs cannot be used to conceive the child.**
Traditionally, [surrogacy ](#Surrogacy)was one way only heterosexual couples, who had difficulty falling pregnant or who were unable to carry a pregnancy safely, could have a child of their own.
Now a growing number of single parents and same-sex couples looking to start their own families are looking to use Surrogacy.
### What's our part in this journey?
**We're all about protecting both the intended parents and their surrogates from the major insurable risks of life and unexpected disability.**
We specialise in helping;
- [intended parents](https://unusualrisks.com.au/index.php?Itemid=757) get the highest quality life insurances in place for themselves, and
- arrange life and disability insurances for their [surrogate](#surrogate)
in a respectful and confidential way, with a minimum of paperwork and *no need for a face-to-face meeting*.
**Life and Disability Insurances for your surrogate should be established well before any medical assessment or attempts to become pregnant.**
### **Download our Insurance Timeline Chart**
Download our free eGuide:
**When to arrange Intended Parent and IVF Surrogate Life Insurances chart**
{osdownloads download\_button 1-of-the-file "Download | Intended Parent & IVF Insurance Chart"}
### We understand not everyone understands
If you're an [intended parent](#intended-parents) and partway through the roller coaster that can be [Altruistic Surrogacy](#Altruistic-Surrogacy-agreement) in Australia, you may have already spent what feels like a small fortune on medical and legal costs.
We also understand you may even have had to battle a level of ignorance and stigma from the un-informed portion of the community, or even extended family.
- The team behind Unusual Risks Insured respects your need for privacy and completes all our work under the brand name of our parent financial advice company, Sapience Financial a financial advice brand that provides a wide range of different financial services Australia-wide.
### The uncomfortable truth and what you can do about it
Although it may not be the most pleasant thing to think about, it's true *pregnancy is not without risks*.
- From early pregnancy until some weeks after delivery, the *statistical reality* is pregnant women have an increased risk of mortality compared with women who are not pregnant.
This is why Unusual Risks Insured provides comprehensive [life insurance and disability protection](https://unusualrisks.com.au/index.php?Itemid=757) for intended parents and their surrogates.
[](https://unusualrisks.com.au/images/site-pics/surrogacy/surrogacy-life-insurance-timing-thumb-hoz-large.jpg)
### Critical steps in keeping everyone safe
Family Protection planning involves;
- understanding the *statistical realities of life,* and
- the critical role Life Insurances and Estate Planning documents (like Wills and Powers of Attorney) all contribute to building a safety net under your family's future.
### We can help you with all of these critical steps.
It is important to protect everyone involved in a surrogacy arrangement against the risk of one of the adults involved unexpectedly dying or unexpectedly becoming long-term disabled?
The intended parents should;
1. **Arrange and pay for life insurances for their surrogate**, to make sure her family is financially protected if anything happens to her as a result of the pregnancy, **and**
2. **Arrange and pay for life insurances for themselves** and their future family
3. **Include their future child in their current Estate Planning** by nominating potential Guardians and providing the protection of a backup inheritance from a life insurance policy in case one or both parents were to unexpectedly pass away before their child turns 21.
### The Good News
We can help you with these critical steps in your surrogate journey.
We understand the complex process (and an array of emotions) that can be part of the surrogacy journey, so we create solutions to fix potential problems before they ever arise so you can have more time and emotional space to enjoy the journey you’re on together.
### Who we work with?
We work with [intended parents](https://unusualrisks.com.au/index.php?Itemid=757) who are;
- ready to get their own life insurances sorted, and
- ready to protect their [Surrogate](#surrogate) with the highest quality life insurances, too.
> To protect one without the other puts everyone at risk
### Australian Law
Laws relating to surrogacy are managed independently by different Australian states and territories. [Altruistic Surrogacy](#Altruistic-Surrogacy-agreement) is legal in Australia as is paying for a Surrogates's [life insurance](https://unusualrisks.com.au/index.php?Itemid=739) and [disability insurance](https://unusualrisks.com.au/index.php?Itemid=751) policy premiums.
- In an Altruistic Surrogacy agreement, a surrogate doesn’t receive any payment or reward for acting as a surrogate, outside reimbursement of the surrogate’s[ *reasonable costs*](#reasonable-costs) incurred associated with the pregnancy.
### Law in NSW
In **NSW**, the [Surrogacy Act 2010](https://www.legislation.nsw.gov.au/view/pdf/asmade/act-2010-102) recognises [certain surrogacy agreements](#Altruistic-Surrogacy-agreement), prohibits commercial agreements and clarifies the status of children born via surrogacy.
**Section 7(3)** of **the Act** outlines what is considered the surrogate's reasonable costs associated with the pregnancy or birth as;
(a) any reasonable medical costs associated with the pregnancy or birth (both prenatal and post-natal),
(b) any reasonable travel or accommodation costs associated with the pregnancy or birth,
(c) **any premium paid for** health, **disability or life insurance** that would not have been obtained by the birth mother, had the surrogacy arrangement not been entered into...
### Law in other States & Territories
- In **VIC**, the [Assisted Reproductive Regulations 2019](http://classic.austlii.edu.au/au/legis/vic/consol_reg/artr2019469/) has similar provisions.
- In **QLD**, the [Surrogacy Act 2010 (Qld)](https://www.legislation.qld.gov.au/view/html/asmade/act-2010-002) has similar provisions
- In **WA**, the [Surrogacy Act 2008](https://www.rtc.org.au/wp-content/uploads/2016/12/090513_A1_Surrogacy_Act_2008_WA.pdf) (and associated [Regulations](https://www.rtc.org.au/wp-content/uploads/2016/12/090513_A2_Surrogacy_Regulations_2009_WA.pdf), [Directions ](https://www.rtc.org.au/wp-content/uploads/2016/12/090513_A3_Surrogacy_Directions_2009_WA.pdf)and Rules) has similar provisions
- In **SA**, the [Surrogacy Bill 2019](https://www.premier.sa.gov.au/news/media-releases/news/surrogacy-now-possible-for-more-families#:~:text=The%20Surrogacy%20Bill%202019%20passed,contribute%20their%20own%20genetic%20material.) has been introduced with similar provisions.
- In **Tasmania**, the [Surrogacy Act 2012 (Tas)](http://www8.austlii.edu.au/cgi-bin/viewdb/au/legis/tas/num_act/sa201234o2012185/) has similar provisions
- In **ACT**, the [Parentage Act 2004 (ACT)](https://www.legislation.act.gov.au/a/2004-1), has similar provisions
- In **Northern Territory,** they have released a [discussion paper](https://haveyoursay.nt.gov.au/45794/widgets/242635/documents/104984) to create clarity on the NT position on surrogacy issues
### Benefit from our professional privacy and expertise
We understand for intended parents, knowing how and who should best arrange high-quality life insurance for their surrogate *can be complicated and loaded with privacy and practical personal concerns*.
For over 20 years, the Financial Advisers at Unusual Risk Insured have watched Australian legislation lag behind the needs and demands of the community and how insurance companies have tried to quietly avoid this type of client; so were decided to be the change we wanted to see in our community.
All life insurance policies vary from company to company, as do their policy features and conditions.
- Sadly, the attitude of many insurance companies towards what are usually short term policies, are often less than welcoming
- Some life insurance companies deliberately tilt their policy wording towards people having pregnancy inside families, rather than outside.
> As the awareness of Surrogacy increases, some insurance companies have started writing policies that only cover a pregnancy within the family, not a surrogate pregnancy.
### Why work with us?
Whether you’re an [intended parent](#intended-parents) or prospective [surrogate](#surrogate), it's important you work with a specialist financial adviser who understands both;
- the technical nuances of getting the right policy cover for you, and
- who respects the deeply human connection involved when a person decides to be part of a surrogacy journey.
### How to work with us
Our fee-for-service advice model allows us to provide Intended Parents with the highest quality insurance for their Surrogate, at a *wholesale price* - something simply not available through traditional sources.
### Additional value for a Surrogate
After the pregnancy, a Surrogate also has the option to simply take over the insurance policy (and keep its wholesale price structure) - potentially saving them thousands of dollars off the standard premium rates over the length of a life insurance policy.
### If you're looking for additional online resources?
Make sure you're aware of these recourses:
- for Same-sex individuals and couples: [Rainbow Families](https://www.rainbowfamilies.com.au/resources)
- for Blended families, single-parent and same-sex couples: [Raising Children Network](https://raisingchildren.net.au/)
- for Single Dads: [Support for Fathers](https://supportforfathers.com.au/working-with-dads/dads-programs/)
- for Single Mums: [National Council of Single Mothers and their Children](http://www.ncsmc.org.au/)
##### Where to Now?
##### Continue your IVF Journey…
- Make sure you Browse through our [Blog](https://unusualrisks.com.au/index.php?Itemid=696)
- Have questions? See our[ Frequently Asked Questions](https://unusualrisks.com.au/index.php?Itemid=699)
- Discover someone with a similar situation in our list of [Case Studies](https://unusualrisks.com.au/index.php?Itemid=697)
- Get in touch through [Email](https://unusualrisks.com.au/index.php?Itemid=848) or jump the queue and [Call for a Chat](https://unusualrisks.com.au/index.php?Itemid=848)
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MCX\_Service\_Avatar\_Title: Specialised Surrogacy & IVF Risk Portfolio Summary##### 🏛️ Service Contract Summary
##### 🏛️ Intended Parents, IVF & Surrogacy Insurance
MCX\_Service\_Avatar\_Title: Intended Parents & Surrogacy Underwriting**🎯 Our Service Commitment** MCX\_Purpose\_Avatar
This service acts as a **specialised risk architecture and permanent financial stabiliser** for Intended Parents, individuals undergoing advanced IVF treatment, and altruistic surrogates. It is a coordinated umbrella framework engineered to manage the elevated medical and legal complexities inherent in modern family creation paths. We secure absolute contractual validity, permanent debt clearance, and robust multi-generational wealth protections that align seamlessly with Australian state surrogacy frameworks and estate continuity guidelines.
**âś… Standard Performance** MCX\_Performance\_Metric
- **Surrogate Protection Integration:** Secures dedicated Life and Crisis Recovery capital provisions explicitly structured to protect the surrogate's personal financial ecosystem and family during the gestational journey.
- **Intended Parent Continuity:** Establishes comprehensive personal risk safeguards (Income Protection, TPD, and Life cover) tailored to protect the incoming family structure and insulate child dependencies.
- **Estate Liquidity Firewall:** Provides guaranteed lump sum capital injections to eliminate major debts and ensure estate liquidity transfers cleanly to children born via non-traditional reproductive pathways.
**🛡️ Hard Constraints & Boundaries** MCX\_Boundary\_Rule
- **Legal Agreement Alignment:** Policy parameters and contract structures must be formally synchronised with active, state-compliant Altruistic Surrogacy Agreements prior to specific medical conception milestones.
- **Underwriting Timeline Windows:** Application workflows must be strategically configured around active IVF cycles, hormone treatment regimes, and gestational timelines to ensure seamless underwriting sign-off.
- **Duty of Absolute Disclosure:** Full transparency regarding reproductive medical histories, clinical pathways, and formal legal contracts is an unyielding requirement to ensure the absolute validity of your future claim pool.
**âť“ Common Clarity Point**
**Doesn't a standard, off-the-shelf insurance policy automatically cover IVF or Surrogacy arrangements?**
Absolutely not. The vast majority of generic retail policies—especially automated default cover embedded inside standard industry Superannuation funds—contain highly restrictive definitions or complex questionnaires regarding artificial reproductive technologies and third-party surrogacy. Attempting to navigate a severe medical crisis or claim without specialised underwriting framing can give insurers legal grounds to contest or void a contract based on non-standard medical dependencies. Our specialised risk portfolio engineering explicitly addresses and structures these reproductive parameters directly with the chief underwriters from day one, guaranteeing bulletproof contract security.
**🏛️ Compliance & Security** MCX\_Reliability\_Signal
Managed by verified risk advisers under corporate licensing provided by **AFSL 457600** and **LEI 636700B1Z4KB80HRGI57**. All highly sensitive medical documentation, legal surrogacy agreements, and family strategy ledgers are fully protected under strict Australian data sovereignty frameworks, fortified via high-level AES-256 encryption, and managed exclusively on secure local infrastructure utilising mandatory 2FA protocols in strict alignment with our [Privacy Standard](https://unusualrisks.com.au/../privacy).
**Corporate Registry Anchor:** Unusual Risks Insured is a specialised corporate solution lane of Sapience Financial | **AFSL:** 457600 | **LEI:** 636700B1Z4KB80HRGI57
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