Name: Unusual Risks Insured
Address: Sydney, AU
Telephone: 1300 137 403

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Capacity Statement of Unusual Risks Insured & Sapience Financial & Investment Services

March 2020

The outbreak of COVID-19 is impacting all of us in many different ways. It has understandably caused disruptions in the financial markets, disruptions in how people work and socialise, will have flow-on effects in businesses in means not yet envisaged and has made us worry about our family and friends.

At Sapience Financial & Investment Services, our commitment is:

We will continue to put our clients’ interests first.
We have been using a fully remote business model for over 5 years now and have full capabilities to continue to be open for business as un-Usual.
We will continue to communicate what is happening in financial markets as it relates to our clients’ managed investments and their insurance policies we manage during these uncertain times.

We have robust business continuity plans in place

Unusual Risks has always used phone to phone and remote screen-to-screen meetings for many of our Australia wide and rural remote clients, so this is nothing new for us.
Our team already has remote working capacities, and our core business activities are carefully spread across different physical locations, further reducing the risk of sickness at a central location would cause.
All our data is held in the secured cloud accessible Australian Data Centres with decentralised backup administration and management services in place.
We have confirmed all our principal outsourced service providers are also able to meet their obligations to us and our clients and have their resiliency programs in place.
We already have robust contingency plans in place, including business continuity measures to maintain the resilience of our business and protect the health and safety of our clients and our distributed team.

We firmly believe that these measures will protect our ability to manage client insurance applications, claims, manage investment portfolios and perform typical day to day services and will enable us to continue providing you with the service you expect.

We are confident that our business is able to withstand the disruption we all face.Drew Browne Founder & Director

Meetings as usual by email, phone and video chat

If you would prefer to use our After Hours Remote Screen-to-Screen Meeting Services, please just let us know your preference for Zoom, Skype or OS FaceTime.

We look forward to standing beside you and your family as we all navigate COVID-19 together.

We wish you and your loved ones health and safety.

Drew Browne

Drew Browne - Founder & Senior Advisor - Unusual Risks Insured & Sapience Financial & Investment Services

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Services

Modern Family Insurances

However you identify, whoever you love and whoever is family to you, we believe no one should miss out. Love makes a family and love takes action. You want to provide your family with financial protection and peace of mind. We can help. #LoveTakesAction

Life Insurance

Life cover protects you from the financial effects of a terminal illness and your family’s financial security should you unexpectedly pass away, with a lump sum payment. This payment can be used to help cover mortgage payments, school fees, bills, groceries and other living expenses. We can help.

Income Protection Insurance

Income Protection is an insurance cover for one of the most important assets of all – your ability to continue to keep on earning a living. Income Protection Insurance provides a regular payment in place of your income if you’re unable to work for extended periods due to injury or illness. We can help.

Crisis & Trauma Recovery Insurance

Crisis Insurance (sometimes called Trauma Recovery Insurance) provides a one-off, lump sum payment if one of the many specified insured trauma events were to happen to you, such as being diagnosed with advanced cancer, or having a major heart attack or stroke. We can help.

Total & Permanent Disability Insurance

TPD is long-term disability insurance that gives you protection against total & permanent disability by providing a lump sum payout if you can never work again due to injury or illness. We can help.

Insurance for Medical Professionals

White-collar medical professionals are often highly paid and highly leveraged. Hospitals, surgeries, clinics and accident sites are often high-pressure, fast-paced environments where sharps occur all too frequently. Blood Borne Disease Insurance compensates you if you contract HIV, Hepatitis B or Hepatitis C due to a sharps injury while working in your regular occupation. We can help.

Insurances for People using PrEP

Australians using PrEP who need Life Insurance or Income Protection, now have a clear pathway to getting their cover sorted - stigma and discrimination-free from Unusual Risks Insured. Most insurance companies and super funds simply do not provide supportive underwriting for people taking PrEP to better manage their health. We can help.

Insurance for Business Owners & Partnerships

The common denominator for all SME's is they run on people and are therefore exposed to people-based risks. Protecting those people from the statistical realities of life, love and business can be more difficult when your personal situation is more complex and your privacy needs are greater. We can help.

Life Insurances for Intended Parents & Surrogates

Thinking about Growing Families through IVF? Are you considering using Altruistic Surrogacy? For those using the services of an altruistic surrogate there's an additional layer of complexity and responsibility to be protected. Pregnancy is not without risks. It's important to protect everyone involved in your IVF journey and any Surrogacy Agreement. We can help.

Manage My Life Insurance & Super Beneficiary Nominations Service

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 insurance you've lost touch with? We can take over the ongoing management of any insurance policy so all your work is held in a central supportive advice practice. We can help.

Modern Estate Planning for LGBTQIA+ people

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, more 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.

Update My Life & Super Beneficiary Nomination Service

Are you one of the many people who have lost track of their beneficiary information? Do you have an existing Life Insurance 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? We can help.

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

Contact Us

Working Online & serving Australia Wide
from George St Sydney, NSW, Australia.
[ Gadigal Land ] & [ Darug Country ]

Say Hello! unusualrisks.com.au

Phone: 1300 137 403
Send a Message here

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email | phone | video | face-to-face

Everyone is Welcome Here!
#AdviceEquality

Risk Insurance Providers

The advisor to Unusual Risks Insured: Drew Browne is an Authorised Representative and Sapience Financial Corporation Pty Ltd. ABN 29 086 679 718 is a Corporate Authorised Representative of an Australian Financial Services Licensee AFSL Shartru Wealth Management Pty Ltd #422409 ABN 46 158 536 871. Any information provided is General Advice Only and we have not considered your personal circumstances. Before making any decision on the basis of this advice you should consider if the advice is appropriate for you based on your particular circumstance. Unusual Risks is a Trauma Informed Organisation (TIO) and affirms the Darlington Statement on Intersex Human Rights Australia.

Unusual Risks Insured acknowledges the Traditional Custodians of Country throughout Australia and their continuing connection to land, waters and community. We pay our respect to them and their cultures, and Elders, past, present and future.

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Standing with you through COVID-19