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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.

LGBTI relationships are also a prime opportunity to help each other economically. We bring all kinds of economic capacities to the table and often share a range of friendships and an extended family of choice.

Celebrate that. Protect that.

Good News

The good news about life insurance is; if you need life insurance you probably have something (or someone) worth protecting.

Simply put, insurance is protection against some type of risk and is designed to pay a lump sum of money to whoever you chose if you unexpectedly pass away.  Life Insurance can also be turned into cash if you become terminally ill.

5 Situations when getting your Life Insurances sorted makes sense.

Here are 5 circumstances where getting your life insurances sorted make total sense.

  1. If you are renting and want to make sure your partner has somewhere to live, in a community where they still feel supported if you pass away unexpectedly.
  2. You have a mortgage or other significant debts and you want to pay them off for your loved ones if pass away unexpectedly.
  3. If you're partnered and you want to provide for your partner if you pass away - especially if you're the primary breadwinner - and you want to provide an income stream to replace your income for your partner if you pass away unexpectedly.
  4. If you have kids (or favourite nephews and nieces). Maybe you want to cover or support their Education costs – perhaps even their Higher Education Uni fees. If you're a stay at home parent, maybe you want to cover child care costs, maybe you just want to provide an inheritance to your children or maybe you’re responsible for aging parents and need to make sure if something unexpected happens to you that they are kept safe and provided for.
  5. If you own a business. Your family probably relies upon your business income to survive. You might have business debts that could fall onto your family if you don't have a life insurance or disability buffer. You might have a substantial amount of personal money invested in the business and you want to make sure that can be repaid upon your death or disability. (A good first step is to check in with your Accountant and ask about the balance of your ‘Directors account,’ then ask yourself if you want to risk that). 
    Maybe you just don't want what you have worked so hard for to simply fall apart on your death or a disability

If any of these 5 situations apply to you, the next question will probably be, ‘How much Life Insurance do people need?

Where to from here?

  • Watch one of our fun explainer videos How Much Is Enough to help start your thinking about that question.
  • Then when you’re ready, talk with us about your personal situation and ask for a quote.

Pro Tip: The things you can do with Life Insurance are was wide and varied as our relationships – and you can even have your life insurance premiums paid directly from your super fund if you’re keeping an eye on your cash flow – and today – who isn’t.

If you’d like to know what an amount of life insurance might cost you and how it can bring immediate certainty to your back up plans, we’d love to chat – and help you out with that.


Start up a conversation and send us an email today to see if we're the type of people you'd like to work with.

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About Us

Unusual Risks Insured provides support to those people who big insurance companies leave behind. We believe in giving every person the power to use life insurance products to protect & provide for their loved ones, their businesses, and their legacy — free from barriers of stigma and discrimination.

We know, as an LGBTQIA+ person (or someone who goes without labels entirely), you probably have specific financial advice, life insurance, and privacy needs.

  • We're committed to serving the LGBTQIA+ Community and its Allies.
  • For us, it's about change leadership and #AdviceEquality.

Why not make us part of your story, so if the unexpected happens to you or whoever is family to you, you'll have a backup plan in place to help you financially recover and life can still get better for somebody you love.

#LoveTakesAction  #AdviceEquality  #PrideInAdvice

contact drew browne advisor Unusual Risks Insured and Sapience Financial

Drew Browne, Senior Advisor

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from George St Sydney, NSW, Australia.
[ Gadigal Land ] & [ Darug Country ]

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Phone: 1300 137 403
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