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Life Insurances are important financial tools that help us manage the ups and downs of life, love and business. It's an easy way to safeguard our unpredictable futures, just in case.

But delaying important decisions and continually 'waiting for a convenient time' to get these important parts of life in place - is a risk as we all over time can become uninsurable for a variety of reasons.

But some health conditions can be unexpected, unpredictable and then uninsurable - and that can create a significant equally unexpected problem for many people.

Jump Ahead

More Australians are finding out they are fast becoming Uninsurable due to surprise health conditions

The problem of becoming ‘officially uninsurable’ is a growing threat for many Australians, their families and businesses, and they just don't know it yet.

Definition of Uninsurable

Protecting yourself from life's big risks - that’s personal

Life Insurance policies are designed to financially compensate you and your family against the possible future loss and financial impact that a sickness or injury, or even an unexpected death, can have on you and your loved ones.

Life Insurances can compensate you for:

When you’re told you're Uninsurable - that’s statistical

People use Life Insurances to help protect against the unknown risks of life, but once those risks become known and predictable, we all can find ourselves becoming partially or totally uninsurable.

This is because insurance companies only insure the unknown random aspects of life - uncertainty is the central element in all insurance cover.

People usually only find out they’ve become uninsurable only after they’ve applied for and been declined cover for a particular type of Life Insurance cover.

  • This bad news can have a terrible impact on how we live our life, how we see future opportunities and our ability to protect and provide for those we love or may later love.
  • It can also play havoc with protecting business loans, and partnerships and even securing finances for a franchise or a large business loan.

Why should you care?

Imagine how not ever being able to get Car or Home Insurance could affect you?

Taking out some form of insurance to offset our day to day risks of life is something most Australians take for granted.

Whether that's insurance for a new phone, a car, or something bigger, using insurance to safely manage our risks is part of what we do.

  • If you were unable to ever be allowed to insure a car, you probably would never drive a car on the street. If you couldn’t ever get a Compulsory Green Slip Third Party insurance policy, you wouldn't even be allowed to register a car in your own name
  • If you couldn't ever get insurance for your home, you probably would think twice about getting a mortgage for a big fancy home, living in a flood or bushfire risk area or ever leaving home to go to work

Imagine how not ever being able to get Life Insurance could affect your life and relationships?

  • If you weren't ever able to get Temporary Disability Insurance, how would your spouse feel about taking out a joint mortgage, especially if they only worked part time so they could be a carer and homemaker?
  • If you weren't ever able to get Permanent Disability Insurance, how would a potential future business partner feel about choosing to work with you but having to shoulder all the risk of a business debt themselves?
  • And if you were never able to get Income Protection Insurance cover, how would you manage to pay the rent, the mortgage or credit card and car payments when they fell due if an unexpected sickness or injury stopped you from working? You could be living just one missed loan repayment away from losing everything

When you stop and think about it, not being able to get a Life Insurance policy can be a disturbing thing to consider, and you can see how tempting it would be to start to live a smaller life?

What are fast becoming the Uninsurable Health Conditions of 2022?

The current health conditions that can make you uninsurable include;

  1. Unstable type 1 Long Term Diabetes - HbA1c readings higher than 7 and the longer the diagnosis, make you harder to insure
  2. Past cocaine use and current high blood pressure - expect at least 6 years of required non-use and a clear heart scan, before you may even consider qualifying for limited insurance cover
  3. Long COVID-19 Fatigue - as fatigue can be a claimable event for Income Protection or TPD insurances - this can make you uninsurable

Understand COVID-19 does not affect everyone equally

The COVID-19 virus has created an additional layer of scrutiny by Life Insurance Underwriters for people;

  • with heart related risks or known issues
  • people who were previously using cocaine (due to benzene and lymphoma complications being seen in the big data - a growing COVID-19 survivor
  • related risk), people with a Long COVID-19 related ongoing fatigue

All Life Insurance companies have different commercial limits and when something has an unknown origin or outcome, they usually don't like to insure that scenario.

Case studies with COVID-19 implications:

The problem of waiting too long to get Life Insurance

A client's daughter was starting school in 12 months time so they decided to wait 12 months before getting life insurance in place.

  • But during the 12 months wait, the client changed their long term medications and sadly suffered a mini-stroke as a result. While they recovered, the new stroke event in combination with other health issues, meant they were now classed as uninsurable.

The problem of past partying and current COVID-19

A client has previously used cocaine and other recreational drugs but later changed their life after they changed relationships and joined a gym.

  • But while a number of years had passed since their last recreational drug use, because they were now vaping and had recently tested positive for COVID-19, they were classed as having a heightened risk for lymphoma - statistically common for cocaine users - and therefore in combination, were classed as uninsurable.

The problem of a partial recovery

A professional emergency worker tested positive for COVID-19 but later more or less recovered and returned to work. Months later after the arrival of a new child, they decided it was time to get their Life Insurances, sorted.

  • But while they had recovered from COVID-19, they still had residual long COVID-19 fatigue, and therefore were classed as uninsurable.
  • A partial recovery is not a full recovery

Love takes action, today

The easiest way to make sure we all have a backup plan in place to protect us against the overwhelming risks of life, is to insure against those common risks - but first, we must acknowledge them, that they actually exist, are a risk to our lives and need us to take action.

What can you do today?

COVID-19 does not treat everyone equally and when combined with other health events long COVID-19 fatigue can make it difficult - if not impossible - to secure a Life Insurance policy today.

  • If 2021 has taught us anything, it's that anything can happen to anyone - life comes at you fast and we all need a backup plan, just in case.

If you have people depending upon you, if your income drives your lifestyle, if you have debts and dependants, if you're in business and are part of a team, take action today to make sure you have a backup plan in place, while it's still available to you.

Don't put off making important life decisions and expect a ‘wait and see attitude’ will be in your best interests.


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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