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Displaying items by tag: Protecting future earnings
Life Insurance 101- Why is Life Insurance so important?
Life insurance is all about giving the people you care about most, financial security if you’re no longer alive to support them.
- With life insurance, when you die, (or become terminally ill), your nominated loved one(s) can receive a lump sum payment.
- They can use this to continue living the life you want them to. Mortgages can be paid out, children’s private education fees paid, people aren't forced to leave the home or area where they have been used to living and frail aged or special needs people in your life can be cared for.
If you’re in business, it can mean that if you unexpectedly pass away, your business debts are paid out and that the business doesn't have to be wound up or forced into a sale.
- It can also mean that you (or your business partners) are not forced into continuing business with the remaining family of business partners. The possibilities are as individual as your needs.
Meet Ethan - a sensible and available guy
"Why I took out life insurance at age 24"
Everyone’s personal situation is different.
I’ve been out of university for just over a year now and have a list of ‘first’ experiences: my first real job; my first apartment (ok I share that with mates); my first official tax return and my first life insurance policy.
I’m now officially a 24-year-old single guy with no financial dependents (other than my dog) and a life insurance policy owner. WooHoo!
Meet George - logistics co-ordination ninja
He spends most of his work day chasing boxes, deadlines and freight companies running late.
His partner is the love of his life (and drives him crazy at times). George has a stepdaughter who he adores and a well-earned reputation as a bit of Weekend DIY Tragic, relentlessly renovating his townhouse.
George’s shift-work is often unpredictable, so living closer to work and cafes makes his life easier.
Lately, here's beeing thinking about the hard emotional decision, How much is enough?.
How much is Life Insurance enough?
Meet Naomi - nurse, single and super mum
Blood borne virus exposure insurance for nurses and doctors
Naomi is an experienced accident and emergency nurse with more than 5 years experience working in the surgical wards and in and around potentially dangerous medical workspaces.
She is used to managing chaos and moody teenagers; she has two of her own she's hoping to put into private school next year for their senior years before they hopefully go to university.
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.
You’ve come a long way — don’t risk what you cannot afford to lose
Today's families come in infinite varieties, and we celebrate all of them.
Getting married, sending a child off to university, building up a small business, investing in property, becoming an entrepreneur, giving back to the community, leaving a legacy for people you love — these are only a few of the many dreams we aspire to.
Whether your dreams are simple or ambitious, we understand that everyone has them
We also understand that lesbian, gay, bisexual and transgender (LGBT) people and their families face diverse challenges when it comes to protecting and achieving their financial dreams.
If you or your partner have been diagnosed with HIV or diabetes or if like us, you simply believe in supporting your freedom to choose, we'd love to be part of your strategy for protecting what’s important to you.
The company behind the people behind the scenes
We believe that good businesses can help good people achieve good things.
The heart behind unUsual Risks Insured is our parent company, Sapience Financial & Investment Services. Sapience is a boutique full financial services practice who certified as a B Corporation in 2015 and committed to using purpose-driven business as a force for good.
In 2020 they celebrated 20+ years of helping people through understanding, respect and strategic financial advice Australia wide.
Our Claims Management Service
We personally manage all of our client's claims.
No client or their family should ever be left alone to navigate the complex world of paperwork and legal minefields, that an insurance claim will bring. Our insurance claims management service, Priority 1 ensures that nothing is left to chance.
"We saw the pain and frustration that people experienced with fragmented and irrelevant advice and how they often felt abandoned to their own devices during a drawn out insurance claims process. They needed an advocate - so we decided to be the change in the community that we wanted to see".Drew Browne, Sapience Financial.
No-Surprises No-BS* Guarantee
What we do is all about You.
We value and protect the trust of our clients so much, that we have a No-Surprises No BS* policy for our product providers.
- We understand the effect of every question you might be asked in a typical insurance application.
- We know when certain information might trigger an additional questionnaire or follow up question.
- We want you to always feel in control of your personal information.
- Our client's privacy, respect and information security is of our utmost importance.
- You choose the level of contact you have with an insurance company.
- Our Concierge Application Service means you can have as much involvement with the insurer as you want, or you can have us take care of everything for you.
- We understand that our clients are usually super busy and people who require a greater level of privacy.
- If additional information is required for an application, you get to choose who contacts you when and how.
If you'd like some additional information about our people, visit our Director's LinkedIn profile here.
*And yes we went there.
Speciality Insurance Strategy and Advise
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Whatever your situation, we can help you
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Read more...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 LGBTI community, there's really no such thing as average.
And it's your single life, so live it your way.
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Read more...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 LGBTI 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.
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Read more...Parenting
For today's LBGTI 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 LGBTI 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 LGBTI community, there's really no such thing as average.
However you're doing it, Love makes a family.