two fathers teaching their toddler son how to wash his hair

We understand that today's modern families can be biological or logical

They can also include:

  same-sex couples
  same-sex parents
  one-parent families
  extended families
  blended families
  co-parented families
  gender neutral families
  families with carers
  people living apart together (TLAT), and even
  traditional parents with kids

For someone living with pre-existing medical conditions like HIV or diabetes, a family can even extend to a network of close friends.

However you identify and whoever is family to you, we believe no one should miss out.

No one should miss out

While our anonymous online pre-assessment is designed for people with well-managed HIV or diabetes, we understand that you might be here at our website because of different reasons too.

If you're HIV negative or non-diabetic

  • you're HIV negative and have a partner, friend or relative who is HIV positive
  • you're non-diabetic and have a partner, friend or relative who is a diabetic
  • or if you're living with another complex health condition or caring for someone who is

whoever you are, we'd love to work with you too.

How can we help you?

We find that generally, people want to be responsible.

  • When given the opportunity and the tools they rise to any challenge and actively look for ways to help protect and provide for their loved ones.

Advice and help for everyone

We can provide helpful advice and strategies about ways to protect and provide for your Modern Family - whoever that is to you - covering:

  Life & Terminal Illness protection

  Income Protection protection

  Medical Crisis Recovery protection

  Total & Permanent Disability (TPD) protection

And a full set of personal insurance solutions for Self Employed people and those with high privacy needs.

Advice and help for those practical issues like

  Transferring & Managing Existing Life Insurance Policies to consolidate and manage for you

  Updating & Managing Beneficiary Nominations for life insurance and super

  Establishing Life Insurances for Intended Parents and Surrogates

  Establishing Key Person Protection for Non-for-Profit registered entitles

Advice and help for business people

Business Owners and their families often have additional needs not usually catered for in their personal insurance strategies.

We can help you fix that with helpful advice about:

  Specialty Business Key Person and Debt protection

  Specialty Business Fixed Expenses protection

  Specialty Business Owners and Professional Partnerships protection

  Specialty Business Owner and Partnership continuation and succession protection

The information you find on this website will give you a good understanding of insurance and related products and services available for people with pre-existing medical conditions.

Where to Now?
Continue your journey…


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!

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