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Are you using PrEP to better manage your good health?

Good news!
If you're using PrEP to help manage your health and wondering if you can still get high-quality life insurance cover, the simple answer is now Yes!

  • The good news is, Australians taking PrEP are now eligible for the full range of Life Insurance products stigma-free.
  • The bad news is, not all insurance companies have the same attitude about why it's used, so you'll need expert help to find the ones that suit you best.

Lucky for you you've already found the Australian experts at unusualrisks.com.au who understand what's required to help people who use PrEP to manage their health, get their personal insurances sorted.

We understand PrEP helps to prevent HIV

An increasing number of Australians are using PrEP to better manage their good health but still have uncertainty about how this can affect an application for a life insurance product.

  • We've been working with people Australia wide to manage their privacy around their decisions to use PrEP and specialise in understanding complex health management systems. 
  • This means you don't have to continually be the educator for an insurance underwriter or financial adviser about what they know nothing about.
You shouldn't be disadvantaged for being responsible.Drew Browne Founder UnusualRisks Insured

Here are the questions we'd be asking when you use our services to help get your insurances sorted.

Questions we'll ask when you're making an application for cover

When getting ready for an application for a life insurance product, you'll need to know the following;

  • When did you first begin taking PrEP?
  • How often do you test for STIs?
  • Do you have any other medical conditions that might prevent you from taking PrEP long term?
  • When was your last followup with your GP?

And if you'd like to fast track the application process, if you have results of your recent blood test on hand, that might enable us to speed up the assessment process for you too.

Why should people using PrEP only use the experts at Unusual Risks Insured to get their life insurances sorted?

We're glad you asked.

  • Australian life insurance companies traditionally have not developed and marketed their products with the LGBTI community in mind. This means, whether by design or default, you'll see insurance companies tend not to give the issues of LGBTI people and their families the equal consideration and respect they deserve.
  • When it comes to the broader understanding of ‘why responsible people use PrEP to better manage their sexual health’, such concepts don't fit the conservative (some would say blinkered) world of old school insurance underwriting.
  • Too many times we have seen personal biases and discriminations - religious or otherwise -  inappropriately affect the assessment of life insurance applications.

So if you're tired of continually having to be the medical educator to other people, we understand your frustration and would love to help you out with that.

  • That's why we say it's critically important to only work with an insurance adviser from unusualrisks.com.au who understands our issues and more importantly, understands in advance how an insurance company we might recommend, will respond to those issues.
  • You need a financial adviser who will be your powerful advocate in dealing with an insurance company, and not someone whose own bias may undermine your efforts (and perhaps even compromise) your future ability to obtain coverage.
  • In short, when it comes to getting your personal insurances sorted, you need a financial adviser with whom you can be completely forthright and upfront - free of any stigma and discrimination.

And after you've found that person, it's also imperative that you are in fact forthright and upfront about your circumstances.

Lucky you have found unusualrisks.com.au

We’ll help you navigate the life insurance environment safely and keep your dignity intact.

Read more about Life Insurance for People using PrEP.

Where to now?

  Just browsing? Check out Our Blog.

  Learn more about how our process works. See How It Works.

  Have some questions? See Frequently Asked Questions.

  Contact Us directly for a confidential chat or email conversation.

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I have tried to get insurance through my Superfund but they declined me cover citing 'lifestyle considerations'. Is this normal?

Sadly Yes. Many of our clients have faced this very avoidable problem.

In simple terms we try to explain it this way; ‘You can't buy a hot dog from a hamburger food chain - because hamburger chains just don’t sell hotdogs’.

Sadly many insurance companies simply won't tell you upfront what is not on their menu and many good people end up wasting good time going through a process that never had a chance of success in the first place. That's why you need a specialist insurance adviser from unusual risks.com.au to help you successfully navigate the insurance application process successfully.

Published in About PrEP
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What happens if I have a recent STI history and apply for insurance?

Sexually Transmitted Infections (STI’s) are a separate health issue and if managed well, should not present a significant underwriting problem. We would usually like to know if this was a random or regular occurrence. (For example; 12 STI’s a year may indicate a more complex health history whereas 1 or 2 a year may be considered more straightforward). This is a separate health issue. Either way, this is why you need a specialist risk adviser from unusualrisks.com.au to help you navigate the process of getting insurance.

Published in About PrEP
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What questions will you ask about my PrEP medication use during an income protection insurance application?

We treat PrEP like all other prescription medications. The standard questions during an application for insurance would include; How long have you used PrEP? Does your GP keep track of blood results, and Have you ever had any time off sick work because of it?

Published in About PrEP
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What questions will you ask about my PrEP medication use during a life insurance application?

We treat PrEP like all other medications. The standard questions during an application would include; How long have you used it for? Does your GP keep track of blood results and have you ever had any time off work because of it.

Published in About PrEP
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Does it matter if I am on a formal PrEP drug trial when I apply for life insurance?

No. PrEP drug trials or personal use should not affect your application for an insurance policy, as long as you use unusualrisks.com.au as your adviser to navigate the process for you.

Published in About PrEP
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Do I need to have a routine blood test if I apply for insurance and use PrEP?

No, not always. It can also depend upon the amount of cover you seek. If you have recent copies of your blood work from your GP (or clinic), we’ll usually be able to use them to avoid a blood test etc. Either way, we’ll keep you informed of what the next steps may be for your personal circumstances.

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Do all insurance companies treat people using PrEP medication the same way?

No. There is a large variation between different insurance companies and their underwriters (and sometimes discrimination) across the range of Australian insurance companies. Some see PrEP as a sign of significant promiscuous risk. Some tolerate its use and increase their premiums to offset what they see as an increased risk, while the more informed and professional underwriters recognise PrEP medication as a helpful personal health management tool used by responsible people. You need to know who wants your business and respects your choices and who doesn’t. That's why you need to use Unusualrisks.com.au to help you find the right insurance solution for you and your very personal situation.

Published in About PrEP
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People taking PrEP can now access all Life Insurance products in Australia, through Unusualrisks

And that's great news for everyone who's using this medication to take better control over their health.

PrEP (Pre-exposure prophylaxis) is an anti-HIV medicine taken by a person who doesn't have HIV to lower their risk of infection.

The brand name of the drug known as PrEP is Truvada and it's now listed on the PBS and subsided by the Australian Government.

Published in Blog

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 unusualrisks.com.au

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

It's now all available to Australians taking PrEP - stigma and attitude free - through the specialist financial advisers behind unusualrisks.com.au

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 them 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 accurate, 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 wellbeing. 

  • 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 unusualrisks.com.au 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 per 100 beds occur per year.
  • At least 18,000 healthcare professionals suffer from an NSI every year.
  • And 80% of reported NSIs 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, Australian's 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 unusualrisks.com.au 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.

When American News is not accurate for Australia

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 Super 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 Australian's 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 unusualrisks.com.au

Where to now?

  Discover someone with a similar situation in our Case Studies.

  Have questions? See our Frequently Asked Questions.

  Make sure you Browse through our Blog.

  And when you're ready to know if we can work with you take our Anonymous Pre-assessment.


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Drew Browne (he/him)

Senior Advisor to Unusualrisks
& Sapience Financial


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