# 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) ![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) - πŸ’¬ 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) - πŸ’¬ 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) - πŸ’¬ 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) - πŸ’¬ 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! - πŸ’¬ 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 ... - πŸ’¬ 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) - πŸ’¬ 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) - πŸ’¬ 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) - πŸ’¬ Life, Law & Community Insights ![blood collection tube](https://unusualrisks.com.au/images/blog/newly-diagnosed-hiv-positive-life-gets-better-unusual-risks-insured.jpg) ## [ Newly diagnosed HIV positive? Breathe - life gets better ](https://unusualrisks.com.au/blog/newly-diagnosed-hiv-positive-life-gets-better) ### Breathe ### If you're newly diagnosed, like many of our clients you might be scouring the internet to learn everything you can about your status. [ Read more … ](https://unusualrisks.com.au/blog/newly-diagnosed-hiv-positive-life-gets-better) - 🩸 Clinical, PrEP & Blood-Borne Risk Underwriting ![male shirtless surfer at the beach](https://unusualrisks.com.au/images/blog/undetectable-viral-load-or-close-to-it-and-life-insurance-unusual-risks-insured.jpg) ## [ Undetectable viral load (or close to it) ](https://unusualrisks.com.au/blog/undetectable-viral-load-or-close-to-it-and-life-insurance) ### Important life insurance eligibility update for positive people ### Good news. You no longer need to have an undetectable viral load to be eligible for life insurance. [ Read more … ](https://unusualrisks.com.au/blog/undetectable-viral-load-or-close-to-it-and-life-insurance) - 🩸 Clinical, PrEP & Blood-Borne Risk Underwriting ![medical sharps disposal yellow plastic bucket](https://unusualrisks.com.au/images/blog/do-not-ignore-a-medical-sharps-injury-unusual-risks-insured.jpg) ## [ Don't ignore a medical sharps injury ](https://unusualrisks.com.au/blog/do-not-ignore-a-medical-sharps-injury) ### Half of all needlestick and sharps injuries go unreported ### In Australia at least 18,000 healthcare professionals report suffering a needle-stick injury (often referred to as NSI or contaminated sharps injury) every year. [ Read more … ](https://unusualrisks.com.au/blog/do-not-ignore-a-medical-sharps-injury) - 🩸 Clinical, PrEP & Blood-Borne Risk Underwriting ![holding the hands of someone loved walking at the beach](https://unusualrisks.com.au/images/blog/hiv-stigma-the-insidious-barrier-to-getting-life-insurance-unusual-risks-insured.jpg) ## [ HIV Stigma - an insidious barrier to getting life insurance ](https://unusualrisks.com.au/blog/hiv-stigma-the-insidious-barrier-to-getting-life-insurance) ### Stigma and discrimination undermine more than just HIV prevention and treatments ### Australia's known the world over as the lucky country and our unrestricted access to financial services such as life insurance is something that most Australians simply take for granted. [ Read more … ](https://unusualrisks.com.au/blog/hiv-stigma-the-insidious-barrier-to-getting-life-insurance) - 🩸 Clinical, PrEP & Blood-Borne Risk Underwriting ![old movie posted for The Story of Patricia Kennedy OAM A Grandmothers Fight to do What's Right - Battling HIV Stigma in Australia](https://unusualrisks.com.au/images/podcast-artwork/the-story-of-patricia-podcast-unusual-risks-insured.jpg) ## [ The Story of Patricia - Podcast ](https://unusualrisks.com.au/blog/the-story-of-patricia-podcast) ### The Story of Patricia Kennedy, OAM ### A Grandmothers Fight to do What's Right - Battling HIV Stigma in Australia - Hear how Mrs Patricia Kennedy, an Australian Scottish born Grandmother, remembers the 1980's and the arrival of HIV & AIDS to Australia - A shocking and yet compelling interview for people who want to know the truth about a dark time in Australia's brief history, so we can learn how not to repeat the mistakes of the past on our young people today --- [ Read more … ](https://unusualrisks.com.au/blog/the-story-of-patricia-podcast) - πŸ’¬ Life, Law & Community Insights ![proud awards night for the team behind Unusual Risks Insured](https://unusualrisks.com.au/images/blog/nominated-finalists-in-the-honour-awards-unusual-risks-insured.jpg) ## [ Thank you for voting us Finalists in the Honour Awards ](https://unusualrisks.com.au/blog/nominated-finalists-in-the-honour-awards) ## Proud to be part of the Honour Awards ![Finalist Business Division Honour Awards 2014](https://unusualrisks.com.au/images/awards/Award-2014-lgbt-honour-awards-unusual-risks-insured.png) ### A heartfelt thank you to all our clients, friends and supporters [ Read more … ](https://unusualrisks.com.au/blog/nominated-finalists-in-the-honour-awards) - πŸ’¬ Life, Law & Community Insights ![open sign on the door for Unusual Risks Insured](https://unusualrisks.com.au/images/blog/open-for-business-unusual-risks-insured.jpg) ## [ Open for business ](https://unusualrisks.com.au/blog/open-for-business) ## A big step closer to making the impossible, possible ### People living with HIV in Australia can now get full life insurance. [ Read more … ](https://unusualrisks.com.au/blog/open-for-business) - πŸ’¬ Life, Law & Community Insights Page 3 of 3