Unusualrisks.com.au Helping people with well managed HIV get their life insurance sorted

We've helped establish over $37,000,000
of life insurances for Australians living with HIV
and other hard to insure health conditions.

We help protect over $3,000,000 of annual incomes, bringing equality to personal insurance
with every new client.

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Find out in 60 seconds if your personal situation is one we can work with.

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Wherever you are on your life journey

When it comes to the LGBTI community, there's really no such thing as average; there's just way too much diversity among us for that.

That said, we've found three different life stages are shared by many.

If you're Single, Partnered or Parenting, we can help you better understand your options and help you make some fabulous decisions.

Whatever your situation, we can help you

Single
Age is no indicator of relationship status or financial responsibility.
- You can be young and starting out or older and established; and both enjoying living the single life.
- You might be single, single again, sometimes single, single with kids, single with pets or perhaps something a little more complicated.
When it comes to being single in the LGBTI community, there's really no such thing as average.
And it's your single life, so live it your way.
Read more...

Partnered
Sharing life and love with someone can be twice as exciting.
- You might be partnered, partnered with pets, officially de facto, officially married (yay!), splitting expenses but sharing life, or joining incomes and combining financial lives too.
- You might be together but living apart, working towards a future with kids, thinking about fostering, adopting, IVF or surrogacy; or perhaps something a little more complicated.
When it comes to being partnered in the LGBTI community, there's really no such thing as average.
There's no right or wrong way to live a purposeful life, just what works for you both.
Read more...

Parenting
For today's LBGTI families, there are no accidental families.
- You might be parenting and single with kids, parenting and partnered with kids, (yours, theirs and ours), dual parents with kids, co-parents, foster parents, adoptive parents, or even adoptive parents of kids with additional needs (just beautiful!).
- You might be a lesbian co-parenting couple or super involved Guncles or Aunties. You might not even identify with the broader LGBTI community but find yourself a parent in a same-sex relationship; or perhaps something a little more complicated.
When it comes to parenting in the LGBTI community, there's really no such thing as average.
However you're doing it, Love makes a family.
Read more...

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Six power money decisions for Gay Couples

Six power money decisions every LGBTI couple needs to make

If you’re part of a gay couple, here’s 6 power money decisions that help LGBT couples get on the same page financially, and stay on track together.

Because who wants to spend a lifetime arguing about money, right?

People taking PrEP can now get full Life Insurances in Australia

People taking PrEP can now get full Life Insurances in Australia.

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

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

In Australia, the brand name of the drug used for PrEP is Truvada and it's now on the PBS. The PrEP medication can now be prescribed through the PBS by any GP. This means for Australian's taking greater control over their sexual health, the wider availability of this medication has the potential to reduce HIV infection rates in Australia.