 [🏛️](#scds-ledger-anchor) Specialised Service Contract & Underwriting Compliance Verified
---
## Can we set up your essential Estate Planning documents for you?
Yes, we can.
We share our own full estate planning service called 'Finally Sorted', with our sister brand [Sapience Financial](https://sapience.com.au/) so we can help you get your Estate Planning documents, well, finally sorted.
Think of Modern Estate Planning as your Ultimate Pan B.
### When do you need to get your own Estate Planning documents sorted?
Simple. When you turn 18 and want to be in control of your own life.
- Modern Estate Planning protects you *now* while you are alive with **Powers of Attorney** (think traveling overseas and uncontactable), and **Powers of Enduring Guardianship** (think unconscious in hospital after a car accident) in case you're sick or injured or unable to make key decisions for yourself.
- Modern Estate Planning protects your personal estate *later* and ensures your estate goes to those you care about and who care about you. Not the Tax Man.
### The danger of a One-Size-Fits-All approach
Everyone is different. Everyone's circumstances, background, and needs are their own. And nobody's expectations about how they want to protect and provide are ever the same.
That's why you need a professional who understands the danger that unconsidered differences, overlapping priorities, and competing interests can bring to life, love and work.
- Perhaps you're just starting out on your own and have your first job?
- Maybe you've partnered up and still working out the details?
- Perhaps you're the financial and emotional support for an aging parent and need to safeguard them?
- Maybe you're loaning money to a family member and need a Family Loan agreement (and deduct that from your Will later)
- Perhaps you just have a fabulous family of choice you want to protect and provide for?
- And just maybe, your biological family abandoned you and chose not to support their LGBTQIA+ children, so now you can't see the value (or justice) in letting them simply enjoy being your default beneficiary to your estate (or Life Insurance or Superannuation policy) should you unexpectedly pass away.
With so much variety within a fabulous community, there's really no such thing as average.
Modern Estate Planning is your Ultimate Plan B.
### Some unique values we bring to Modern Estate Planning
#### Flexibility
Whether you just need a,
- Simple Power of Attorney, a Power of Enduring Guardianship or a Simple Will for a person just starting out in life and keeping their options open
\- we can help you out.
If you're needing something significantly **more powerful with a future-looking** Will with built-in features like;
- **Super Testamentary Trusts -** that seeks to reduce a non-dependants tax rate to zero
- **Divorce Protection Trusts** - that help protect the assets from the Family Court
- **Maintenance Trusts** -to protect beneficiaries under 18 years of age or unstable or living with addiction
- **Bankruptcy Trusts -** that protect assets from a future beneficiary who may be in bankruptcy at the time of your death.
\- we can help you out.
#### Legal Confidentiality
- We work with an actual national law firm, (not a marketing agency with little more expertise than a slick website) so you are protected by their Legal Professional Privilege and their Professional Indemnity insurance on your estate planning conversations and documents with us.
#### Discretion
- We understand that sometimes in smaller communities (or remote towns), there are times when we all need the anonymity of a big city professional and the discretion of a financial advice team familiar and comfortable with the unique challenges and needs of being part of an underserved community.
We're in your corner.
#### Commerciality
- If you are the Director of a company or a Self Managed Super Fund (SMSF) we can help with your Corporate Powers of Attorney (yes they are different to People Powers of Attorney), Confidentiality Agreements, Buy & Sell Agreements, [Partnerships Agreements](https://sapience.com.au/services/key-legal-documents/partnership-agreements) and so much more. For the important stuff of life, love and business you need to make it legal and in writing,
- If you are part of a Stepfamily, perhaps you're Co-parenting or in a Polyamorous relationship with others
\- we can help you out.
### Why we provide this service?
For most of our Life Insurance clients, getting their Modern Estate Planning sorted is *the natural next step* to having all their important documents of life, love and business all in one place.
- Putting your Life Insurance and Estate Planning documents together makes good sense and means updating them when major life changes occur, easier.
- Your family's estate planning is too important to leave for a DIY approach on a lazy weekend, or when you have time ... sometime... next year, maybe.
### Make a start today
Getting your Modern Estate Planning sorted is vital to ensure your wishes are carried out during your lifetime, and your assets pass along to your loved ones should you unexpectedly pass away — issues that can potentially be more complex for the LGBTQIA+ Community.
### How to start your thinking about your Ultimate Plan B?
Four simple steps to getting started.
1. Start by **watching our fun explainer video** The Ultimate Plan B [here](https://unusualrisks.com.au/index.php?Itemid=794)
2. Then **download and read our Free eGuide** called 7 Myths of Estate Planning [here](https://unusualrisks.com.au/index.php?Itemid=893)
3. Learn more about some key Modern Estate Planning concepts in our[ Case Study](https://unusualrisks.com.au/index.php?Itemid=794) here.
4. Then contact us for a discrete chat about your options.
##### Where to Now?
##### Continue your Modern Estate Planning journey…
- Read about our range of [Specialty Services](https://unusualrisks.com.au/index.php?Itemid=803)
- Watch our fun [Explainer Video](https://unusualrisks.com.au/index.php?Itemid=794) for the bigger picture about Modern Estate Planning
- Ready to know if we can work with you? [Contact](https://unusualrisks.com.au/index.php?Itemid=848) us for a chat.
---
MCX\_Service\_Avatar\_Title: Modern Estate Planning & Wealth Sovereignty Summary ##### 🏛️ Service Contract Summary
##### 🏛️ Estate Planning Documents for Modern Relationships
MCX\_Service\_Avatar\_Title: Modern Estate Planning & Relationship Sovereignty**🎯 Our Service Commitment** MCX\_Purpose\_Avatar
This service acts as a **relationship sovereignty firewall and permanent asset stabiliser** for LGBTQIA+ individuals, same-sex couples, and blended modern families. It is an amalgamated strategic architecture engineered to protect your chosen family structure, ensure bulletproof beneficiary certainty, and insulate your wealth from hostile third-party legal challenges. Unusual Risks constructs your primary digital estate map and protective framework, before seamlessly transferring your profile to the corporate advisory team at Sapience Financial for final legal placement and formal trust execution.
**✅ Standard Performance & Integrated Benefits** MCX\_Performance\_Metric
- **Relationship & Identity Sovereignty:** Explicitly structures your asset distribution to protect de facto partners, same-sex spouses, and non-biological or surrogate children against legacy probate disputes.
- **Testamentary Trust Asset Protection:** Establishes advanced inheritance shields (Protective Wills and Trusts) ensuring assets are ring-fenced from external vulnerabilities such as beneficiary bankruptcy, professional liability, or family law disputes.
- **Superannuation & Insurance Binding Alignment:** Coordinates your personal risk policy payouts and superannuation non-lapsing binding death benefit nominations to ensure capital bypasses court delays and lands safely where intended.
- **Multi-Generational Tax Optimisation:** Deploys advanced structural planning that allows for the flexible streaming of investment income to family members, utilising legal frameworks to minimise ongoing taxation friction.
**🛡️ Hard Constraints & Handover Parameters** MCX\_Boundary\_Rule
- **Strategic Referral Loop:** Unusual Risks executes the specialised community strategy intake and asset mapping; all final legal legal document drafting, financial placement, and corporate trust implementation are securely handled via Sapience Financial.
- **Utmost Disclosure Integrity:** Providing absolute transparency regarding asset allocations, corporate entities, and family architectures is a rigid requirement to ensure your documents survive forensic legal audits.
- **Administrative Oversight Realities:** The deployment of complex protective legal structures requires ongoing corporate governance, including standalone trust tax returns and regular trustee compliance reviews.
**❓ Common Clarity Point**
**Why can't I just use a standard off-the-shelf Will or default Superannuation nomination form?**
Because standard, generic legal templates are structurally built around traditional biological family frameworks. If a same-sex partner or non-biological child relies on a basic Will, estranged biological relatives have significant leverage under common law to launch hostile family provision claims, tying up your estate in court for years. By custom-engineering an amalgamated protective framework backed by a Testamentary Trust, the assets are held within a secure legal entity rather than passed down as personal property. This deprives hostile external litigants of direct leverage, protecting your chosen family's future.
**🏛️ Compliance & Security** MCX\_Reliability\_Signal
Strategic corporate advice, trust structuring, and licensing placement are managed under the regulatory authority provided by **AFSL 457600** and **LEI 636700B1Z4KB80HRGI57**. All highly sensitive family strategy blueprints, corporate holdings ledgers, and identity documentation are fully insulated 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
---
 [🏛️](#scds-ledger-anchor) Specialty Service Portfolio & Underwriting Compliance Verified
## We specialise in helping people with well‑managed HIV or Diabetes (and other complex health conditions) get their life insurances and income protection sorted.
[Life Insurance](https://unusualrisks.com.au/index.php?Itemid=739) means financial protection to those you love, at a time when they shouldn’t have to think about money.
[Income Protection](https://unusualrisks.com.au/index.php?Itemid=740) means you safeguard your able to continue to earn a living, and keep your lifestyle until your recover.
And we help their family members get all their life insurances sorted too, so nobody misses out
- We also help [medical professionals](https://unusualrisks.com.au/index.php?Itemid=755) and emergency service workers protect themselves from the financial effects of contaminated sharps injuries, and
- We provide Australia wide financial advice and [i](https://unusualrisks.com.au/index.php?Itemid=757)[nsurances for Surrogates ](https://unusualrisks.com.au/index.php?Itemid=757)so intended parents can provide the highest quality personal insurances to help protect and support the surrogate parent providing surrogacy services.
### These days HIV or Diabetes doesn't have to be a life sentence
But most insurance companies still treat you like it is.
People with pre-existing well‑managed health conditions have, up till now, been prevented from accessing quality Life Insurance and Life Insurance products like Income Protection, simply because of their conditions.
> We believe everyone deserves a fair go and equal access to financial advice Drew Browne Founder Unusual Risks Insured
### How would you answer these 5 quick questions?
1. Are you or someone you love living with HIV or diabetes?
2. Do you need to learn more about blood-borne disease protection?
3. Want to learn how to protect your partner, family and even your business from the unexpected?
4. Are you just looking for help to get your life insurance sorted?
5. Not sure if it’s even possible?
### Here's the great news!
You'll be pleased to know that now there's an Australian company that can offer life insurance services to those who really need it - and you found us.
### On our site, you'll be able to:
- learn why many LGBTQIA+ people and our Allies choose to [use our services](https://unusualrisks.com.au/index.php?Itemid=823)
- learn everything you need to know about how to get your life insurance sorted if you have[ well-managed HIV](https://unusualrisks.com.au/index.php?Itemid=821) or [diabetes](https://unusualrisks.com.au/index.php?Itemid=820) or [using PrEP](https://unusualrisks.com.au/index.php?Itemid=744) to manage your health.
- learn how to protect yourself from the effect of a [contaminated sharps injury ](https://unusualrisks.com.au/index.php?Itemid=755)if you're a medical professional
- take our [anonymous pre-assessment ](https://unusualrisks.com.au/index.php?Itemid=829)to find out if we can work with your situation
### So what are the different types of Life insurance products available to you here?
Life Insurances is a name that covers a range of personal insurances **designed to protect people** from the known statistical risks of life.
These include:
- [Death and Terminal Illness](https://unusualrisks.com.au/index.php?Itemid=739) cover
- [Total and Permanent Disability](https://unusualrisks.com.au/index.php?Itemid=751) cover
- [Crisis Recovery](https://unusualrisks.com.au/index.php?Itemid=752) insurance for serious medical conditions
- [Income Protection](https://unusualrisks.com.au/index.php?Itemid=740) cover for sickness and illness stopping you from earning your income
For business owners and key people in business, we have additional personal insurances **designed to protect business people** from the known statistical risks of business life too.
These include:
- [Business Key Person and Key Debt](https://unusualrisks.com.au/index.php?option=com_content&view=article&id=219:business-owners-and-partners&catid=83:services&Itemid=756#Business-Key-Person-and-Debt) protection
- [Business Fixed Expenses ](https://unusualrisks.com.au/index.php?option=com_content&view=article&id=219:business-owners-and-partners&catid=83:services&Itemid=756#Business-Fixed-Expenses)protection
- [Business Owners and Professional Partnerships](https://unusualrisks.com.au/index.php?option=com_content&view=article&id=219:business-owners-and-partners&catid=83:services&Itemid=756#Business-Owner-and-Professional-Partnerships) protection
- [Business Owner and Partnership ownership transfer](https://unusualrisks.com.au/index.php?option=com_content&view=article&id=219:business-owners-and-partners&catid=83:services&Itemid=756#Business-Owner-and-Partner-Succession) protection.
> Investing in the health and well-being of another is an act of service, greater than ourselves and in many ways it's what makes us human - Drew Browne
### For us, this is not just about getting a Life Insurance policy, this is an equality and human rights issue
We believe that every Australian should have equal access to high-quality Life Insurance products, no matter what their sexuality, gender, race, age or beliefs. We believe this is not just about getting Life Insurance, this is a human rights issue.
### For our clients, it's about protecting and providing for those they love and simply getting on with living a full and adventurous life.
Life Insurance can help you be certain your loved ones are provided for, children's educational needs are taken care of, and that your family of choice won't have to worry about their future if you’re not there to continue to protect and provide for them.
### A sad but all too common experience
Often, when a couple set up life insurance to protect each other, one person has their application accepted, but the other is refused because of a pre-existing health condition. Both are left feeling that a wedge has been driven between them and that their needs and choices were not understood, honoured or valued. At unUsualrisks.com.au our mission is to change this.
### Life insurance offers financial protection to those you love at a time when they shouldn’t have to think about money
An insurance payout can help your loved ones:
- Stay in the family home by either **paying out the mortgage** or providing enough funds to **allow then to remain in the community** where they're most comfortable
- **Maintain the same standard of living** by providing funds to be invested and used over time
- Provide for future planned expenses for loved ones or maybe **leaving a legacy** that makes your difference in the world
- If you're in **business** life insurance can help protect your revenue, secure bank loans and make shareholders and Key people to the business feel more secure too.
- If you're sorting out your **estate planning**, life insurance can help equalise the value of an estate so that heirs are treated equally, just in case.
### When does life insurance payout?
Life insurance will normally payout upon the death of the life insured or diagnoses of a terminal, illness in the last 24 months.
- It can help their dependents cope financially if you unexpectedly pass away, and
- It can help you in practical financial ways if you suffer a terminal illness
Many people don't know that high-quality life insurance also pays out upon the diagnosis of a terminal illness in the remaining 24 months, making it a strong part of a backup plan.
> Most people don't know 30% of life insurance claims are made for terminal illness
### For Health Professionals and Emergency Services Workers, contaminated sharps injury protection offers financial stability to you at a time when you need to focus on your ongoing health
An insurance payout can help you:
- Pay you an immediate cash amount to use in any way to need
- It can help pay out debts and remove financial stressors from your life
- It can provide a financial cushion to your loved ones or yourself and help provide time for you to consider your next step
- It can fund a change in your professional career, protect business shareholders and provide you with space to take time to consider what your next step needs to be
So if you're living with HIV, managing diabetes or protecting yourself from these types of conditions (like using PrEP), we can help you with complete privacy, discretion and great advice.
Enjoy your time here on our site, and feel free to get in touch and say G'day.
And if you have sensitive questions or just prefer to chat with a person first, [strike up an email conversation here](https://unusualrisks.com.au/index.php?Itemid=848) **or give us a call direct and ask to speak with Drew**.
---
MCX\_Service\_Avatar\_Title: Master Specialty Risk Portfolio Summary##### 🏛️ Service Contract Summary & Underwriting Framework
**Corporate Registry Anchor:** Unusual Risks Insured is a specialized corporate solution lane of Sapience Financial | **AFSL:** 457600 | **LEI:** 636700B1Z4KB80HRGI57
---
##### **Where to Now?**
##### Continue your 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)
- When you're ready to know if we can work with you, take our [Anonymous Pre-assessment](https://unusualrisks.com.au/index.php?Itemid=829)
- Send us an [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)
[🏛️](#scds-ledger-anchor) Specialised Service Contract & Underwriting Compliance Verified
## Can we manage your Life Insurance and Super fund Beneficiary Nomination for you?
Yes, we can.
This is another one of our most asked about questions.
### Understanding how to keep track of your insurance policy nominations can feel a little like rocket science.
You probably already know that when you take out a typical Life Insurance policy, you have the option to **nominate anyone you like** as the beneficiary(s) to the policy, so they can receive any future payout if you unexpectedly pass away.
- **Standard Life** insurance payouts are **usually paid tax free** to your nominated beneficiary.
But did you know that if the Life Insurance policy is paid from a super fund, **you are restricted to who you can nominate** as a beneficiary, **and there may be significant taxation complications** too?
- **Super Life** insurance payouts are **[taxed](https://www.ato.gov.au/Individuals/Super/In-detail/Withdrawing-and-using-your-super/Withdrawing-your-super-and-paying-tax/?page=6)** unless the person you nominate is an [eligible beneficiary](#eligible-beneficiary) under the tax laws.
### Are you one of the many people who have lost track of their beneficiary information?
Do you have an existing [Life Insurance](https://unusualrisks.com.au/index.php?Itemid=739) policy or perhaps a Super account with insurance you've lost touch with?
- Maybe you **haven’t nominated** a beneficiary to your life insurance policy or super account?
- Have you **forgotten who you did nominate** and now need to update your wishes?
- Did you nominate **a previous partner from a past relationship** and now need to (urgently) update your nomination instructions?
- Have you **recently divorced or separated,** or
- You may have **forgotten a binding nomination needs to be renewed** every three years?
If this sounds like you, it sounds like you could benefit from our [Update My Life & Super Beneficiary Nominations Service.](https://unusualrisks.com.au/index.php?Itemid=749)
### Making a beneficiary nomination is separate to making a Will
Making a beneficiary nomination is something you can do today that will make a significant difference to your loved ones. It can give your chosen beneficiary a level of protected financial security outside the reach of any relatives and biological family members who may try and challenge a Will and seek to erase your partner's rights.
- If you're one of the 76% of Australians who don’t yet have a Will, the government usually appoints an administrator and applies its own set of rules (called [Rules of Intestacy](#Intestacy)) to decide who gets what in your estate – and you probably won’t like those rules.
- To make matters worse these Intestacy laws are not uniform Australia wide so it’s a bit of a hit-and-miss affair and can become a source of heartache and sorrow for the modern Australian Family.
### Why everyone needs to make a beneficiary nomination
Most people know that a Will takes care of your **estate assets**; like a house, vehicle, personal assets and artworks and collectibles etc.
- What many people often don’t know is that Life insurance payouts and Super account payouts are usually considered **non-estate assets** and therefore do not form part of your Will and the assets it controls.
- This means if something does not form part of your estate, it's not covered by your Will — and cannot be challenged with your Will.
Important:
**A Life Insurance policy or Superannuation account with a nominated beneficiary can provide an inheritance for your loved ones that biological family members cannot take away from them**. This is because beneficiary nominations take priority over Wills, because they’re separate legally binding documents.
### Who can I nominate as my Life Insurance beneficiary?
Anyone you want.
### Who can I nominate as my Super Life Insurance beneficiary?
Your super can only be paid out to an *eligible beneficiary*.
An eligible beneficiary is either a [**dependent**](#Dependents), **a [financial dependent](#financially-dependent)** or your [**legal representative**](#Executor) (ie: the Executor of your Will or Administrator if you have no Will, for your estate).
- Dependents can include your spouse or de facto partner (regardless of gender), your children (biological, adopted, step and ex-nuptial), or someone (regardless of gender) with whom you have an interdependency relationship. In most cases, siblings are not considered dependents for super purposes unless [financially dependent](#financially-dependent) upon you.
- You can also leave your super to a financial dependent, which may include someone who relies on you to meet daily living expenses such as rent, utilities and household outgoings. This also covers anyone who shares your major financial commitments such as mortgage
**Pro Tip**:
To be able to prove a person is financially dependent upon you and eligible to receive your *super death payout* tax free, they have to show they are ‘financially dependent' upon you - at the time of your death.
Without expert assistance from the specialists at Unusual Risks, this can be very difficult.
### Practical Issues many LGBTQIA+ people face
#### **Not everyone is Out, fully Out or wants to be or safely can be**
- So often the most significant people in our lives, are not always legally known and adequately provided for in either our Life Insurance policy or Superannuation account beneficiary nominations. This is usually because nobody has taken the time to show us how to make provision for the people we love and protect our privacy at the same time.
Almost half of all gay, lesbian, bisexual and transgender people hide their sexual orientation or gender identity in public for fear of violence or discrimination. Many never tell their financial adviser they have a same-sex partner.
#### **Some people in the LGBTQIA+ Community have complex past relationships**
When past relationships have ended, sometimes it can take longer to unwind ourselves from their effects and we simply may have forgotten to update our legal documents and policy nominations.
- Because Life Insurance and Super account payouts are not automatically included with your Will (the technical term is non-estate asset) nominating your Life Insurance and Super account beneficiary directly can be a powerful way to keep funds outside your Will and away from the reach of those who may seek to challenge your Will and estate later.
If you've changed Partners since your last nomination was made and you haven't yet updated your nomination, your former partner (and not your current one), could be entitled to the balance of your super fund payout.
### **More complex issues LGBTQIA+ people face**
- If you're a **Co-parent of non-biological children** and not living with them, additional legal advice might be needed as the child of a lesbian co-mother or gay co-father will have to prove financial dependence.
- If you're **part of a couple who are Living Apart Together** you might not qualify under these definitions and additional legal advice might be needed.
- If you're part of a **Polyamorous relationship**, you might not qualify under these definitions and additional legal advice might be needed.
### Let's face the truth about discrimination and intolerance in many biological families
Each LGBTQIA+ person may have differing levels of support from their own biological family.
- Often LGBTQIA+ people need to take special actions to protect ourselves and our partners from our biological families.
- Sadly, many LGBTQIA+ people have biological families who are not supportive or just downright homophobic, biphobic or transphobic.
- Many biological families have rejected their LGBTQIA+ family member (either as a child or adult child) and are selectively intolerant, and even hostile towards their family member's partner and family of choice.
Some may even seek to deny next of kin rights to our partner or even attempt to erase our existence or our partners existence, should we unexpectedly pass away.
### Where there’s a Will, there’s a relative
We have seen some straight families who appeared initially supportive of their LGBTQIA+ children, change overnight when opportunistic siblings decided to challenge their absence in a Will, after their LGBTIQ+ relative unexpectedly passed away.
- It’s fair to say, not everyone behaves their best when facing grief, and money.
#### Case study – past relationships (and paperwork)
Terry separated from her former husband and took the children interstate to start a new life in a same-sex relationship leaving her old life behind in a small narrow-minded country town.
The eventual divorce was traumatic as was the move interstate away from her support network of friends and her children began to experience difficulty integrating into a new school and explaining the fact of them now having two mums.
- In the busyness of their new beginning, Terry simply forgot to update the beneficiary nomination in her life insurance policy. It wasn’t until her partner Francine was reading a [blog article from Unusual Risks Insured about Super Beneficiaries](https://unusualrisks.com.au/index.php?option=com_content&view=article&id=166:who-is-your-superannuation-beneficiary&catid=91:blog&Itemid=696) and started the conversation across the family dinner table.
- It came as a shock with the realisation that by not making a replacement beneficiary nomination, Terry’s former husband was still listed as sole beneficiary to Terry’s super fund balance - which included $1,200,000 of Life Insurance cover.
The following morning, Terry transferred her existing life insurance policy to Unusual Risks Insured to manage for her using the [Transfer & Manage My Existing Life Insurance Policy service](https://unusualrisks.com.au/index.php?Itemid=758) and immediately updated her Life Insurance Beneficiary nominations naming Francine and the children as sole beneficiaries.
A potential disaster was averted, and a new relationship was protected. With this issue now off their mind, they can work together to help the kids settle down into a happier life.
**\#LoveTakesAction**
### Why do people need a beneficiary nomination service?
Life is busy and navigating relationships can be complicated.
Add to this the ever-changing tax laws and you can accidentally find yourself leaving a Life Insurance policy payout to someone you no longer want to. And you can also forget to make allowances for the potential tax bill involved.
Relax. We have a solution for these types of problems.
- LGBTQIA+ people are often faced with each partner having differing levels of support from their own biological families and each partner may have a different level of comfort about being Out or not.
- This imbalance can feel particularly uncomfortable when it comes to speaking with biological family members or considering speaking with a Financial Adviser for the first time.
Getting your beneficiary nominations sorted is just one more thing you can do to bring more certainty and equality to your relationships, and at Unusual Risks Insured, we’d love to help you with that.
**\#LoveTakesAction**
##### Where to Now?
##### Continue your 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)
---
MCX\_Service\_Avatar\_Title: Specialised Beneficiary Nomination & Wealth Sovereignty Summary ##### 🏛️ Service Contract Summary
##### 🏛️ Update Life & Super Beneficiary Nomination
MCX\_Service\_Avatar\_Title: Superannuation & Insurance Beneficiary Governance**🎯 Our Service Commitment** MCX\_Purpose\_Avatar
This service acts as a **relationship sovereignty guard and permanent financial stabiliser** for your non-estate wealth transfers. It is an essential administrative governance framework engineered to ensure that your life insurance payouts and accumulated superannuation death benefits bypass the delays of probate court and flow directly to your chosen loved ones. We deliver ironclad legal distribution certainty while insulating your capital from external creditor claims and mitigating unnecessary tax exposure.
**✅ Standard Performance** MCX\_Performance\_Metric
- **Absolute Distribution Certainty:** Establishes legally binding pathways that secure your intended heirs, ensuring outdated paperwork cannot inadvertently redirect capital to unintended beneficiaries or estranged biological relatives.
- **High-Speed Capital Execution:** Valid direct nominations enable insurance trustees to release liquid funds rapidly, bypassing the lengthy timelines required to secure a formal Grant of Probate or Letters of Administration.
- **Tax Liability Mitigation:** Structural analysis aligns your designations with active ATO definitions, safeguarding your non-tax-dependents from inheriting an accidental 17% to 32% taxation penalty on their payouts.
**🛡️ Hard Constraints & Expiry Warnings** MCX\_Boundary\_Rule
- **The Three-Year Lapsing Rule:** Under standard Australian superannuation law, standard "Binding" nominations automatically expire every three years; we provide the active governance to ensure these are formally renewed before they lapse into non-binding status.
- **SIS Act Eligibility Constraints:** Regulations dictate that you can only directly nominate a legal spouse, child, financial dependent, or an individual with whom you share an interdependent relationship; nominating an ineligible party renders the document void.
- **Estate Strategy Harmonisation:** While these non-estate instruments operate independently of your traditional Will, your broader estate blueprints must be strategically balanced to prevent double-funding or accidental heir exclusions.
**❓ Common Clarity Point**
**Doesn't my standard Will automatically control who gets my Superannuation and Life Insurance when I die?**
Absolutely not. Superannuation and corporate retail life insurance policies are classified as "non-estate" assets, meaning they sit entirely outside the jurisdiction of your Will. If you do not have a valid, active Binding Death Benefit Nomination in place, the institutional superannuation trustee retains total legal discretion to decide who receives your money. This means the fund could legally distribute your wealth to a blood relative you haven't spoken to in years, completely bypassing a same-sex partner or chosen life dependency. Securing a bulletproof binding nomination is the only way to lock down absolute control over your legacy.
**🏛️ Compliance & Security** MCX\_Reliability\_Signal
Managed by verified risk advisers under corporate licensing provided by **AFSL 457600** and **LEI 636700B1Z4KB80HRGI57**. All highly sensitive beneficiary records, relationship ledgers, and identity documentation are fully insulated 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
---
[🏛️](#scds-ledger-anchor) Specialised Service Contract & Underwriting Compliance Verified
## Can we take over the ongoing management of an existing life insurance policy for you?
Yes, we can.
This is one of our most asked about questions.
The *next most commonly asked question* we're asked is;
*'Can you tell me if my existing policy actually covers me for a particular medical condition?'*
**And Yes, we can do that too**. (And we actually do a lot of that by the way).
### Are you one of the thousands of Australians who have lost track of their personal insurance policies?
Do you have an existing Life Insurance policy, Income Protection policy, or perhaps a Super account providing insurances you've lost touch with?
- **Not sure what your old insurance policy actually covers**, if it's still value for money and meeting your needs?
- Maybe you **have some concerns about its wording**, cover limitations, possible exclusions, and whether it will actually pay out if needed?
- Perhaps **your health or personal circumstances have changed** since you first took out these insurances and you're not really sure where you stand?
- Maybe **you feel it's just time to move on** and start working with a Specialty Adviser like unusualrisks.com.au who's more aligned with what you value?
If this sounds like you, it sounds like you could benefit from our second opinion and discrete [Transfer & Manage My Insurance Policy Service](https://unusualrisks.com.au/index.php?Itemid=758).
### We can manage the transfer of neglected insurance policies when your provider has forgotten about you (or worse still - simply abandoned you).
Sadly, this is a common and frustrating problem for many people. Advisors leave the industry, businesses are sold and closed and people lose touch for many reasons.
It's the cause of many *constant low-level irritations* afflicting busy people already juggling busy lives and responsibilities.
### Relax. We have the solution
Our **Transfer & Manage my Insurance Policy** service can take over the day-to-day management of any life insurance policy already in force and manage them all under a single agency for you, with absolute security, privacy, and discretion.
We can also provide additional professional insights and advice on;
- Whether an existing life insurance policy has any special conditions,
- How any new health issues may (or may not) affect the outcome of a potential future claim, and
- Add or update your official nominations about who should be your [Life Insurance Policy Beneficiary](https://unusualrisks.com.au/index.php?Itemid=749) or [Super Fund Account Beneficiary ](https://unusualrisks.com.au/index.php?Itemid=749)too.
### Who uses our Transfer & Manage Service?
There are five (5) main types of situations where people use our [Transfer and Manage Service](https://unusualrisks.com.au/index.php?Itemid=758)
1. People who **feel disconnected from their current financial adviser** (perhaps they left the industry)
2. People who **have specialty medical conditions and uncertainty** about whether an existing policy covers that condition.
3. People who **feel overwhelmed by the paperwork, and jargon** and want an expert to sort it all out for them.
4. People who have **decided they're better off using a specialist** financial adviser with a deeper level of expertise they feel more aligned with.
5. People who **see the value in having their own specialty adviser** looking out for them and their family's interests first.
### Why do people use our Transfer & Manage Service?
Since the last damming report of [The Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry](https://www.royalcommission.gov.au/banking), many people are now using our [Transfer and Manage Service](https://unusualrisks.com.au/index.php?Itemid=758) to get the clarity they need on existing insurance policies and to have us manage them all in one place.
- Citing concerns over potential conflicts of interest, more and more **people are moving away from financial services providers who are either owned, backed or franchisees of major financial institutions**.
- People today are simply no longer prepared to support a business with a history of putting the commercial interests of their shareholders before the best interests of the customer.
### How to use our Policy Transfer & Manage Service
There are 5 Steps to regaining control over a lost or abandoned policy using our Transfer & Manage Service.
1. If you still have a copy of your original policy statement, **grab it and look for the policy number** (or member number). If you don't, relax, we can trace it if you provide us some basic information too.
2. **Send us the details** (or a scan of the document).
3. **We'll send you back a pre-completed form to sign** confirming you give us permission to make discrete inquiries on your behalf.
4. **We'll find out what you need to know** and give you some options.
5. When you're ready, **we can take over and manage your policy** for you.
##### Where to Now?
##### Continue your 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)
---
MCX\_Service\_Avatar\_Title: Existing Policy Audit & Management Transfer Summary ##### 🏛️ Service Contract Summary
##### 🏛️ Transfer & Manage Existing Life Policies
MCX\_Service\_Avatar\_Title: Existing Insurance Portfolio Audit & Servicing Transfer**🎯 Our Service Commitment** MCX\_Purpose\_Avatar
This service acts as a **confidential administrative guard and permanent performance optimiser** for your existing personal insurance portfolio. Over time, many individuals accumulate fragmented policies across different superannuation funds, retail providers, or past employment structures—often carrying legacy premium loadings or restrictive exclusions. We locate, audit, and consolidate these assets under a single discrete management structure, ensuring your historical coverage is preserved, optimized for value, and insulated from administrative neglect.
**✅ Standard Performance** MCX\_Performance\_Metric
- **Fragmented Asset Auditing:** Conducts a comprehensive forensic review of all active policies to identify whether you are double-paying for overlapping coverage or carrying unnecessary premium loadings.
- **Exposure & Gap Identification:** Maps historical policy definitions against your current lifestyle, income requirements, and medical profiles to locate hidden vulnerabilities that could jeopardise a future claim.
- **Streamlined Administrative Consolidation:** Transferring the "servicing rights" of your existing contracts to our care gives you a single, discrete point of contact for claims, beneficiary updates, and alterations, eliminating the need to deal with multiple institutional call centres.
- **Continuous Underwriting Monitoring:** Tracks ongoing industry premium adjustments, legislative superannuation shifts, and evolving medical underwriting guidelines (specifically regarding HIV, diabetes, and preventative care) to keep your portfolio optimised.
**🛡️ Critical Constraints & Disclosure** MCX\_Boundary\_Rule
- **No Automatic Cancellation:** We strictly advise against cancelling or modifying any existing coverage until a comprehensive forensic assessment is finalized; transferring servicing management does not alter your underlying policy rules.
- **Grandfathered Protection Safeguards:** If a policy replacement is ultimately recommended, we ensure your complete medical history and pre-existing conditions are fully underwritten and accepted by the new provider before altering your legacy protection.
- **Provider Cooperation Rules:** The capacity to seamlessly transfer administrative servicing rights depends entirely on individual institutional rules and the specific product categories currently active.
**❓ Common Clarity Point**
**Will transferring my existing insurance policies to your management force me to undergo new medical tests or disclose my health history again?**
Absolutely not. Transferring the servicing rights or management of an existing retail or superannuation policy is a purely administrative process. It simply appoints Unusual Risks and Sapience Financial as your broker and adviser of record. Your underlying insurance contract remains completely intact, your original entry dates are preserved, and no new medical underwriting, questionnaires, or clinical examinations are triggered. Your private health history remains completely insulated from fresh scrutiny.
**🏛️ Compliance & Security** MCX\_Reliability\_Signal
Managed by verified risk advisers under corporate licensing provided by **AFSL 457600** and **LEI 636700B1Z4KB80HRGI57**. All highly sensitive policy schedules, historical application ledgers, and identity documentation 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
---
[🏛️](#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)
---
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.
**✅ 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.
**❓ 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
---
1. [ Insurances for Business Owners & Partners](https://unusualrisks.com.au/services/specialised-risk/insurances-for-business-owners-partners)
2. [ Sharpes Insurances for Medical Professionals](https://unusualrisks.com.au/services/specialised-risk/insurance-for-medicals-professionals)
3. [ Insurances for People taking PrEP](https://unusualrisks.com.au/services/specialised-risk/life-insurances-for-people-taking-prep)
4. [ Accident Only Insurances](https://unusualrisks.com.au/services/specialised-risk/accident-only-insurances)
5. [ Crisis Recovery Protection](https://unusualrisks.com.au/services/core-protection/crisis-recovery-protection)
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