Displaying items by tag: Privacy

What has sexuality got to do with a life insurance application?

The simple answer is — Not much.

The honest answer is — A lot more than you'd think

  • Life Insurance companies traditionally haven't designed their products and services with LGBTIQ people in mind and tend not to consider the needs of diverse communities.
  • Research shows when service providers assume their clients are heterosexual and use heterosexist language, this can result in discomfort, alienation, and even ongoing discrimination against a significant part of the broader Australian community, their families and friends.
Published in Blog

Do life insurance companies discriminate?

Disability discrimination in insurance is now illegal. That said, reasonable distinctions based upon actuarial data in insurance assessments are not considered discriminatory as Life insurance is based upon statistical probabilities and measurement.

In 2000 Mr Graeme Innes AM, the then Deputy Disability Discrimination Commissioner stated “ …insurers are in the business of insuring against risks, not already known certainties. The Disability Discrimination Act allows for distinctions and exclusions based on disability if and where this is reasonable. Reasonableness can be established on the basis of actuarial data that is reasonable to rely on in the circumstances, or by reference to other relevant factors. …"

What is reasonable? Section 46 of the DDA contains a specific exemption for the Insurance and Superannuation Industry to recognise that some informed judgment is part of the nature of most types of insurance in Australia. Reasonable decisions based upon actuarial or statistical data where this is reasonable available are permitted".

Published in Most Common

How do I prepare for an insurance application with unusualrisks.com.au?

You will need the following information close to hand:

  1. Your GP’s name, address and full contact details.
  2. The common names and doses of any medications that you might be taking.
  3. The approximate date and reason for your last medical appointment, who it was with and the outcome eg: '6 months ago in September, I went to my local GP for a flu shot and some sinus medications I took twice daily for 4 weeks. etc.'
  4. The results from any medical tests eg: blood pressure or cholesterol results.
  5. Details of your medical history eg: the approximate date you were diagnosed with a particular medical condition if you have had extended time off work because of it etc.

It’s a good idea to keep a Health Diary of important dates, tests, current medications or results that are significant for you.

Published in Most Common

Can I complete my personal health questions for my application privately online?

Yes, when you use our services. We can complete the standard identification questions with you and then send you a web link so that you can complete your Personal Medical Statement, privately online if that's convenient. We can SMS you a password so that your information remains secure. Remember you can also use the services of a Tele Underwriter to complete the personal health questions at a time more convenient too.

Published in Most Common

I’m in business with other people and we need to protect ourselves from the usual business debts. Can you work with my business colleagues and keep my private health details private as well?

Absolutely. People in business (especially those working with a team of multiple business partners) are at a higher statistical risk of business interruption due to accident or ill health in the management team. We can work with a business, identify the points of vulnerability and tailor a solution.

When we implement the businesses solution, we also work individually and discretely with the business owners and keep confidential everyone's personal health status. All personal data is individually quarantined and is never shared with anyone else in your business.

Published in Most Common

If I don’t want to get hard copies of mail from you is that possible?

Yes. We run a low paper office so we can correspond electronically by email and SMS if you prefer. Some of our insurance providers will insist on providing a hard copy of your insurance policy certificate (as well as a soft copy) but that can also be sent to a mailing address if you want to keep things discrete and secure. Just let us know your preference.

It’s a good idea to have the hard copies of any insurance policy certificates held with your solicitor for safe keeping along with your Will and Power of Attorney. (What, you don’t have a Will and a Power of Attorney? – No worries, we can help you with that too).

Published in Most Common
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Meet Dave - life of the party

He's a big fan of the party life and 'works hard so he can play hard'. If you ever got into a serious conversation with him, he's an open-minded no-labels kind of guy.

His work ute looks as good as he does and he's in high demand on Saturday night - and always swipes right - if you know what we mean.

Published in All Case Studies

We're borderline fanatical about your privacy

This relates to our website visitors, clients and supporters, advertising and all our communications with you.


'No one shall be subjected to arbitrary interference with their privacy, family, home or correspondence, nor attacks upon their honour and reputation'. Universal Declaration of Human Rights

5 Star Privacy RatesWhy we don't promote Google Star Ratings?

You may see we don't have Google Star Ratings on our website — that's deliberate and this is why:
  1. We respect our clients work with us is private.
  2. We never ask for or publish reviews or testimonials.
  3. We never ask our clients to disclose to the world their private work with us.
  4. We don’t track website visitors for re-marketing purposes on social media.

Different ways you can work with us

When working with us, most people choose email or phone as their preference, but you get to decide the way that's best for you.
  • We can complete all our work online (and with the very occasional snail-mail for an ink-on-paper-signature).
  • You can complete documents with us over the phone, over email or video chat.
  • Alternatively, we can also send you a secure web-link to complete them personally online at a time that's more convenient to you; your choice

We're completely flexible and committed to ensuring equal access to the best specialty financial advice is accessible to all our clients, friends and supporters.

Is our website safe to browse?

When browsing through our site you'll see the closed lock beside the URL.
  • This indicates all communication between your browser and our site (including email) is encrypted and safe using online HTTPS banking grade security.
  • We have also pre-emptively blocked Google's new FLoC Technology tracing too.

We believe that nobody needs to know your private search history.

Does our Privacy Standard make it hard for us to reach the right people for our services?

  • Yes! That's the challenge of providing a confidential service.

(And we'd love your help with that so feel free to tell someone we're here and what we do).

You can read more about our Privacy Policy here.

Where to now?

  Have questions? See our Frequently Asked Questions.

  Read about a similar situation in our Case Studies.

  Make sure you Browse through our Blog.

  And when you're ready to know if we can work with you? Take our Anonymous Pre-assessment.


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Whatever your situation, we can help you

  • Single

    Age is no indicator of relationship status or financial responsibility.

    • You can be young and starting out or older and established; and both enjoying living the single life.
    • You might be single, single again, sometimes single, single with kids, single with pets or perhaps something a little more complicated.

    When it comes to being single in the LGBTQI+ community, there's really no such thing as average.

    And it's your single life, so live it your way.

  • Partnered

    Sharing life and love with someone can be twice as exciting.

    • You might be partnered, partnered with pets, officially de facto, officially married (yay!), splitting expenses but sharing life, or joining incomes and combining financial lives too.
    • You might be together but living apart, working towards a future with kids, thinking about fostering, adopting, IVF or surrogacy; or perhaps something a little more complicated.

    When it comes to being partnered in the LGBTQI+ community, there's really no such thing as average.

    There's no right or wrong way to live a purposeful life, just what works for you both.

  • Parenting

    For today's LGBTQI+ families, there are no accidental families.

    • You might be parenting and single with kids, parenting solo with kids, parenting and partnered with kids, (yours, theirs and ours), dual parents with kids, co-parents, foster parents, adoptive parents, or even adoptive parents of kids with additional needs (just beautiful!).
    • You might be a lesbian co-parenting couple or super involved 'Guncles' or Aunties. You might not even identify with the broader LGBTQI+ community but find yourself a parent in a same-sex relationship, or perhaps something a little more complicated.

    When it comes to parenting in the LGBTQI+ community, there's really no such thing as average.

    However you're doing it, Love makes a family.


Our Connections

We're connected to every Life Insurance company in Australia

so we can give you every option available