#  Blog

### Welcome to our Special Interest Finance Blog

It can be hard to identify who you are and where you want to go if you don't have the right wording to know what's even possible. This is why a lot of good financial advice looks like education.

Life insurances, Income Protection, and Estate Planning is all design to support what's important to you and safeguard whoever is family to you. It's an important part of modern life, love and business. Be sure to receive the information and guidance you need to make an educated decision. Browse through our Blog, our 100+ FAQs or contact us for a confidential chat.

![Written by Human Not made by AI - Unusual Risks Insured](https://unusualrisks.com.au/images/logos/Not-made-by-AI-Unusual%20Risks%20Insured-black.png)

  ![twin heavy set brothers with tattoos smiling](https://unusualrisks.com.au/images/blog/be-careful-what-you-google-when-looking-for-advice-on-life-insurance-unusual-risks-insured.jpg) ##  [ Be careful what you Google when looking for advice on life insurance ](https://unusualrisks.com.au/blog/be-careful-what-you-google-when-looking-for-advice-on-life-insurance)

### Be careful what you Google for, when searching for simple answers to complex questions like; Can people with HIV or other complex health conditions can still qualify for life insurance?

### Google Search is part of our modern-day lives.

Who hasn’t made a quick Search for the bio of an actor, the secret to a killer Bearnaise sauce or asked, ‘Is there a sequel to Game of Thrones?’

Search is also a growing part of our personal health management. People's tendencies for a late-night search session with Dr Google self-diagnosing potential medical conditions —by searching for symptoms —are known to trigger many an anxious night of misinformation and questionable comparisons.

The reality is many of our late-night search results usually add to our anxiety and uncertainty.

The new skill of knowing ‘when to consult a professional’ is becoming the new 21th Century survival skill to learn.

 [ Read more … ](https://unusualrisks.com.au/blog/be-careful-what-you-google-when-looking-for-advice-on-life-insurance)

- 💬 Life, Law & Community Insights

  ![friends talking a group selfie at the beach](https://unusualrisks.com.au/images/blog/flatmates-friends-or-de-factos-and-how-to-tell-them-apart-unusual-risks-insured.jpg) ##  [ Flatmates, Friends or De-factos and how to tell them apart ](https://unusualrisks.com.au/blog/flatmates-friends-or-de-factos-and-how-to-tell-them-apart)

### Flatmates, friends or de facto partners - how do you tell them apart

### When it comes to romance and relationships, the emotional decision about who you think is your partner, may be very different to the legal decision about who is legally considered your de facto partner.

The questions about who may be a *boyfriend* or *girlfriend* or *partner* and who is a *de facto* become important distinctions when it comes to **Superannuation** payouts, **Life Insurance** nominations and **Family Law** claims on your finances, investments and property interests.

As [Marriage Equality](https://en.wikipedia.org/wiki/Same-sex_marriage_in_Australia) became law in Australia on 9th December 2017, \*yay\*, who is a married partner is now straightforward. Who is a de facto partner, is not always so straightforward especially for many in the LGBTQI Community.

 [ Read more … ](https://unusualrisks.com.au/blog/flatmates-friends-or-de-factos-and-how-to-tell-them-apart)

- 💬 Life, Law & Community Insights

  ![man at gym laying on floor](https://unusualrisks.com.au/images/blog/who-can-make-emergency-medical-decisions-for-you-unusual-risks-insured.jpg) ##  [ Who can make emergency medical decisions for you? ](https://unusualrisks.com.au/blog/who-can-make-emergency-medical-decisions-for-you)

### Ever wonder who can make emergency medical decisions for you when you can’t?

Most adults are presumed to have the needed mental capacity to give consent themselves. But what happens when you can’t make decisions for yourself?

Though you may have a large circle of friends, emergencies demand a certain kind of relationship.

Being to answer this question will probably make you stop and consider the quality of your key relationships and whether you have the right legal documents in play today, as part of your backup plan.

The person 'next in line to make decisions' for you is often referred to as the *person responsible* and it might not be your next of kin.

 [ Read more … ](https://unusualrisks.com.au/blog/who-can-make-emergency-medical-decisions-for-you)

- 💬 Life, Law & Community Insights

  ![attractive bauld and bearded man with laptop computer](https://unusualrisks.com.au/images/blog/does-it-still-make-sense-to-think-about-life-insurances-today-unusual-risks-insured.jpg) ##  [ Does it still make sense to think about Life Insurances today? ](https://unusualrisks.com.au/blog/does-it-still-make-sense-to-think-about-life-insurances-today)

### Life still goes on, even in the middle of a Pandemic.

Yes, it makes perfect sense to think about life insurance today - especially today - because life still happens to us all, all the time, even during difficult times.

One of the dangers of living through difficult times (and the LGBTQIA+ Community is no stranger to surviving difficult times) is we can sometimes fixate on the biggest issue and ignore the most important issue - **our life, love, and relationships continue regardless**.

Our innate adaptability can lead many LGBTQIA+ couples to embrace wildly different financial goals, styles and circumstances in our partners.

 [ Read more … ](https://unusualrisks.com.au/blog/does-it-still-make-sense-to-think-about-life-insurances-today)

- 💬 Life, Law & Community Insights

  ![piggy bank wearing a covid-19 facemask](https://unusualrisks.com.au/images/blog/coronavirus-life-insurance-income-protection-and-managing-personal-risks-unusual-risks-insured.jpg) ##  [ Coronavirus, Life Insurance, Income Protection and managing personal risks ](https://unusualrisks.com.au/blog/coronavirus-life-insurance-income-protection-and-managing-personal-risks)

### Getting better at managing our personal risks in our connected world

It's a difficult time, and winter is coming.

But it won't always be.

And we all need to be ready for the Spring; to better understand what we can control now (and who we can take care of today), so we're all getting ready for a better tomorrow.

The current Coronavirus[ ](https://www.health.gov.au/news/health-alerts/novel-coronavirus-2019-ncov-health-alert)pandemic is going to affect Australian families and businesses - but perhaps not for the reason you suspect.

 [ Read more … ](https://unusualrisks.com.au/blog/coronavirus-life-insurance-income-protection-and-managing-personal-risks)

- 💬 Life, Law & Community Insights

  ![happy woman and her family taking a road trip together](https://unusualrisks.com.au/images/blog/women-living-with-hiv-in-australia-unusual-risks-insured.jpg) ##  [ Women living with HIV in Australia ](https://unusualrisks.com.au/blog/women-living-with-hiv-in-australia)

### Women living with HIV in Australia

### Today, about 10% of people living with HIV in Australia are women; yet they continue to be conspicuously absent in most of the HIV prevention messages.

The reported experiences of women living with HIV can be very different from men.

Many women navigate their treatments and their daily lives differently from their male counterparts.

 [ Read more … ](https://unusualrisks.com.au/blog/women-living-with-hiv-in-australia)

- 🩸 Clinical, PrEP & Blood-Borne Risk Underwriting

  ![two men celebrating and having fun together](https://unusualrisks.com.au/images/blog/happy-mardi-gras-2020-unusual-risks-insured.jpg) ##  [ Happy Sydney Mardi Gras 2020! ](https://unusualrisks.com.au/blog/happy-mardi-gras-2020)

# Happy Mardi Gras!

### To all our clients, friends and supporters - have a fabulous time celebrating you!

We're committed to serving the LGBTI community and its Allies, and we're here for you, all year round. Happy Mardi Gras!

 [ Read more … ](https://unusualrisks.com.au/blog/happy-mardi-gras-2020)

- 💬 Life, Law & Community Insights

  ![balloons in the shape of two hearts](https://unusualrisks.com.au/images/blog/love-takes-action-unusual-risks-insured.jpg) ##  [ Valentine's Day and Love Insurance ](https://unusualrisks.com.au/blog/love-takes-action)

### Valentine’s Day means different things to different people

### But ultimately it's about Love — and Love Takes Action

> What some people miss is that life insurance is really love insurance — by having sufficient life insurance, they're safeguarding the future of the ones they love. Drew Browne

### Four thoughtful ways you can act on your love today

 [ Read more … ](https://unusualrisks.com.au/blog/love-takes-action)

- 💬 Life, Law & Community Insights

  ![friends at BBQ](https://unusualrisks.com.au/images/blog/six-power-money-decisions-for-gay-couples-unusual-risks-insured.jpg) ##  [ Six Power Money Decisions for Same-sex Couples ](https://unusualrisks.com.au/blog/six-power-money-decisions-for-gay-couples)

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

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

 [ Read more … ](https://unusualrisks.com.au/blog/six-power-money-decisions-for-gay-couples)

- 💬 Life, Law & Community Insights

  ![PrEP medication and logo of Unusual Risks Insured](https://unusualrisks.com.au/images/blog/people-taking-prep-can-now-get-full-life-insurances-in-australia-unusual-risks-insured.jpg) ##  [ People taking PrEP can now get full Life Insurance cover through Unusual Risk Insured ](https://unusualrisks.com.au/blog/people-taking-prep-can-now-get-full-life-insurance-cover-in-australia)

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

- [PrEP (**Pre**-exposure prophylaxis)](https://en.wikipedia.org/wiki/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](https://www.avert.org/hiv-transmission-prevention/prep) and it's now listed on the [PBS](https://www.nps.org.au/news/pr-ep-on-the-pbs-an-opportunity-in-hiv-prevention) and subsided by the Australian Government.

 [ Read more … ](https://unusualrisks.com.au/blog/people-taking-prep-can-now-get-full-life-insurance-cover-in-australia)

- 🩸 Clinical, PrEP & Blood-Borne Risk Underwriting

  ![uncle and his niece talking selfie while lying on floor with pillows](https://unusualrisks.com.au/images/blog/diagnosed-with-diabetes-and-need-life-insurance-unusual-risks-insured.jpg) ##  [ Can a person with diabetes get life insurance? ](https://unusualrisks.com.au/blog/diagnosed-with-diabetes-and-need-life-insurance)

### Diabetes in Australia is our fastest growing chronic condition

The onset of [Type 1 Diabetes](https://www.diabetesaustralia.com.au/type-1-diabetes) mellitus (T1DM) occurs most frequently in people under 30 years, however, new research suggests almost half of all people who develop the condition are diagnosed over the age of 30.

**Each day 280 Australians develop diabetes:**

- **56% are males**
- **44% are females**

 [ Read more … ](https://unusualrisks.com.au/blog/diagnosed-with-diabetes-and-need-life-insurance)

- 🍏 Metabolic & Chronic Health Protection

  ![two men talking selfie on holiday under the water](https://unusualrisks.com.au/images/blog/financial-advice-for-same-sex-couples-unusual-risks-insured.jpg) ##  [ Financial Advice for Same-sex Couples ](https://unusualrisks.com.au/blog/financial-advice-for-same-sex-couples)

### Equality and freedom from discrimination are fundamental human rights that belong to all people, regardless of who they love or how they identify

### The road to anywhere meaningful does seem to take a while and this has been true for many in Australia's LGBTQIA+ community.

 [ Read more … ](https://unusualrisks.com.au/blog/financial-advice-for-same-sex-couples)

- 💬 Life, Law & Community Insights

  ![two beautiful people holding flowers and kissing at their wedding](https://unusualrisks.com.au/images/blog/equality-unusual-risks-insured.jpg) ##  [ 7 Financial Decisions for Same-sex Newlyweds ](https://unusualrisks.com.au/blog/7-financial-decisions-for-same-sex-newlyweds)

### Marriage Equality means in Australia you're now free to marry who you love.

### If you're a same-sex couple, there might be some unique challenges to meet with your partner for life

While LGBTQIA+ people are as diverse as the rest of the population, their shared experience and expectation of discrimination creates many common financial issues, unique to the LGBTQIA+ Community.

 [ Read more … ](https://unusualrisks.com.au/blog/7-financial-decisions-for-same-sex-newlyweds)

- 💬 Life, Law & Community Insights

  ![tic tac toe boardgame played with heart shaped pieces](https://unusualrisks.com.au/images/blog/a-note-to-our-competitors-about-why-we-do-what-we-do-unusual-risks-insured.jpg) ##  [ A note to our Competitors (about why we do what we do) ](https://unusualrisks.com.au/blog/a-note-to-our-competitors-about-why-we-do-what-we-do)

### A note to our competitors (& those who want to be)

### Let’s start this discussion off with an honest fact:

- Every single company out there has competitors.
- So here's a note, just for ours.

A number of our professional colleagues and suppliers (and more than a handful of [competitors](https://www.unusualrisks.com.au/disclaimer#Commercial-Ethics-and-Competitors)) continually ask us, 'why we take such a visible leadership stance about *diversity, inclusion and belonging* in business today?

 [ Read more … ](https://unusualrisks.com.au/blog/a-note-to-our-competitors-about-why-we-do-what-we-do)

- 💬 Life, Law & Community Insights

  ![Awards Business Of Tomorrow Unusual Risks Insured](https://unusualrisks.com.au/images/blog/unusual-risks-receives-westpac-business-of-tomorrow-award-unusual-risks-insured.jpg) ##  [ Unusual Risks receives Westpac Businesses of Tomorrow Award ](https://unusualrisks.com.au/blog/unusual-risks-receives-westpac-business-of-tomorrow-award)

### Unusual risks (the specialist brand of Sapience Financial) was among 200 handpicked companies to be recognised and honoured with the Westpac Business of Tomorrow award on the 7th April 2017.

 [ Read more … ](https://unusualrisks.com.au/blog/unusual-risks-receives-westpac-business-of-tomorrow-award)

- 💬 Life, Law & Community Insights

  ![](https://unusualrisks.com.au/images/blog/happy-mardi-gras-2019-unusual-risks-insured.jpg) ##  [ Happy Mardi Gras 2019! ](https://unusualrisks.com.au/blog/happy-mardi-gras)

### Happy Mardi Gras 2019!

### To our Clients, Friends, and Supporters

# Celebrating You!

- 💬 Life, Law & Community Insights

  ![worlds aids day red ribbon on Unusual Risks Insured logo](https://unusualrisks.com.au/images/blog/world-aids-day-2016-unusual-risks-insured.jpg) ##  [ World Aids Day 2016 ](https://unusualrisks.com.au/blog/world-aids-day-2016)

## We remember our clients, friends and supporters ...

- 💬 Life, Law & Community Insights

  ![young man sitting on plan looking up the aisle](https://unusualrisks.com.au/images/blog/four-unintended-consequences-of-when-aids-first-came-to-australian-tv-unusual-risks-insured.jpg) ##  [ Four unintended consequences of when AIDS first came to Australian TV ](https://unusualrisks.com.au/blog/four-unintended-consequences-of-when-aids-first-came-to-australian-tv)

### I grew up in the 1980s where AIDS, HIV and the spectre of the Grim Reaper bowling for AIDS victims, first terrified Australian television audiences. Looking back, I wonder if the Reaper has any regrets?

 [ Read more … ](https://unusualrisks.com.au/blog/four-unintended-consequences-of-when-aids-first-came-to-australian-tv)

- 💬 Life, Law & Community Insights

  ![good looking profession guy at work](https://unusualrisks.com.au/images/blog/professional-people-need-their-own-life-insurance-adviser-and-here-is-why.jpg) ##  [ Professional people need their own life insurance adviser and here's why ](https://unusualrisks.com.au/blog/professional-people-need-their-own-life-insurance-adviser-and-here-is-why)

### Many people in professional business use life insurance products but ...

 [ Read more … ](https://unusualrisks.com.au/blog/professional-people-need-their-own-life-insurance-adviser-and-here-is-why)

- 💬 Life, Law & Community Insights

  ![two men holding hands while walking down the street](https://unusualrisks.com.au/images/blog/why-our-clients-are-the-heros-of-our-brand-unusual-risks-insured.jpg) ##  [ The Real Heroes of Our Brand ](https://unusualrisks.com.au/blog/why-our-clients-are-the-heroes-of-our-brand)

### Why we see our clients as the heroes of our brand

### Unusual Risks Insured is a proud purpose-driven brand that celebrates the success of its clients.

 [ Read more … ](https://unusualrisks.com.au/blog/why-our-clients-are-the-heroes-of-our-brand)

- 💬 Life, Law & Community Insights

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