Displaying items by tag: faq

I have tried to get insurance through my Super fund and they declined me cover citing 'lifestyle considerations'. Is this normal?

Sadly Yes. Many of our clients have faced this very avoidable problem. In simple terms we try to explain it this way; ‘You can't buy a hot dog from a hamburger food chain - because hamburger chains just don’t sell hotdogs’. Sadly many insurance companies simply won't tell you upfront what is not on their menu and many good people end up wasting good time going through a process that never had a chance of success in the first place. That's why you need a specialist insurance adviser from unusual risks.com.au to help you successfully navigate the insurance application process successfully.

Published in About PrEP
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I have tried to get income protection and life insurance already and have been formally declined cover because of using PrEP; can you help me?

Yes. Tell us who, what, when and what happened and we’ll see if we can help you out.

Published in About PrEP

What happens if I have a recent STI history and apply for insurance?

Sexually Transmitted Infections (STI’s) are a seperate health issue and if managed well should not present a significant underwriting problem. We would probably like to know if this was a random or regular occurrence. (For example; 12 STI’s a year may indicate a more complex health history whereas 1 or 2 a year may be considered more straightforward). This is a separate health issue. Either way, this is why you need a specialist risk adviser from unusualrisks.com.au to help you navigate the process of getting insurance.

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What questions will you ask about my PrEP medication use during a life insurance application?

We treat PrEP like all other medications. The standard questions during an application would include; How long have you used it for? Does your GP keep track of blood results and have you ever had any time off work because of it.

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Does it matter if I am on a formal PrEP drug trial when I apply for life insurance?

No. PrEP drug trials or personal use should not affect your application for an insurance policy, as long as you use unusualrisks.com.au as your adviser to navigate the process for you.

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Do all insurance companies treat people using PrEP medication the same way?

No. There is a large variation between different insurance companies and their underwriters (and sometimes discrimination) across the range of Australian insurance companies. Some see PrEP as a sign of significant promiscuous risk. Some tolerate its use and increase their premiums to offset what they see as an increased risk, while the more informed and professional underwriters recognise PrEP medication as a helpful personal health management tool used by responsible people. You need to know who wants your business and respects your choices and who doesn’t. That's why you need to use Unusualrisks.com.au to help you find the right insurance solution for you and your very personal situation.

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My partner is not HIV positive; can you help them at the same time as you help me?

We sure can. We believe in looking after those who look after you. The process is much the same, just no online pre-assessment is needed.

For friends, family and supporters who want standard life insurance cover, the application process is the same, and there is no need for a pre-assessment.

Just send us an email and we'll organise the rest.

Published in About HIV
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What's the main difference between TPD and Crisis Trauma insurance?

The main difference between crisis/trauma insurance and total and permanent disability insurance (called TPD)  is crisis/trauma insurance will pay you for the specified illnesses listed in the policy, while you are trying to get back to work, while TPD insurance doesn't pay you unless you are disabled and more likely than not may never go back to work.

Published in Essentials
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Can I take out Income Protection insurance if I have been diagnosed with well managed HIV?

Yes, you can.

  • Income Protection is also called Disability Income Protection.  The changes in names drive us crazy too). Regardless of the product name they use, all are designed to pay up to 75% of a person’s income if through sickness or injury they are unable to work.

Contact us today for more information on this specialist window of opportunity.

Published in About HIV

Can I complete my life insurance application without a face to face conversation?

Yes. The professionals behind Unusual Risks Insured are Sapience Financial and they can complete your application without the need for a face to face meeting, if that's is what you require. You can find their website here and you can learn about what they became a Trauma Informed Organisation specialising in Financial Advice here.

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