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

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.

The only constant is change

Unusual Risks Insured has been helping people with well-managed HIV or diabetes get their life insurance sorted since we first opened in late 2013.

Initially, the eligibility medical rules for applications for life insurance were that 'a person had to be on treatments for at least 6 months and required to have an undetectable viral load'.

Due to recent developments in medical big data and our ongoing negotiations with one of our key providers, there has been a welcomed change in the eligibility criteria. Applicants are required to have an undetectable viral load or be close to it.

The inclusion of those last five words is welcomed relief for many clients who are looking to get their life insurance organised asap but who have not yet reached the goal of undetectable (but who are close to it).

Recent modeling from The Kirby Institute suggests the proportion of people with diagnosed HIV on treatment may be as high as 92% and possibly more than approximately 90% of these individuals have suppressed viral loads.

What does this mean if you've previously been unsuccessful in our life insurance pre-assessment?

If you've previously completed our online anonymous pre-assessment survey but received the red light due to a detectable viral load, we’d encourage you to visit us online again to complete our updated assessment survey and see if you now get the green light.

As always, when in doubt, please strike up an email conversation with us and feel free to provide some more details about your situation. We can then approach our medical underwriters on your behalf and make an individual case for you to get your life insurance cover in place.

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Online Pre‑assessment

Find out in 60 seconds if your personal situation is one we can work with

TAKE OUR PRE-ASSESSMENT

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

Get Advice-on-Demand via
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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Undetectable viral load (or close to it)