- Read the video transcript below.

### Video Transcript:

**Speaker**: Drew Browne, Specialist Financial Adviser @unusualrisks

**Transcript**: There are four possible outcomes for any life insurance policy.

Number one - **it can be accepted at Standard Rates** - now this means that the price that was quoted in the premium is the price you'll pay, the standard price.

The second outcome is where **premiums are Loaded with a medical rating** that might be because of a medical situation or an occupational situation where the risks have to be managed.

The third outcome is that **a policy can be Delayed from finishing** because we haven't yet received the medical reports or the assessments that we require to be completed.

And of course, **a policy can also be Declined**. A Decline can be because a medical situation is beyond what's possible to manage or an occupational category is beyond what's covered by that insurer.

Either way, that's why you use a professional insurance advisor to help you navigate successfully through these four possible outcomes for your policy.

 ### What is the chance of needing to claim on a life insurance policy?

![card What is the chance of needing to claim on a life insurance policy unusual risks insured](https://unusualrisks.com.au/images/site-pics/charts/card-What-is-the-chance-of-needing-to-claim-on-a-life-insurance-policy-unusual-risks-insured.jpg)

 #####  Where to Now?

##### The next steps…

- Make sure you Browse through our [Blog](https://unusualrisks.com.au/index.php?Itemid=696)
- Have questions? See our [Frequently Asked Questions](https://unusualrisks.com.au/index.php?Itemid=699)
- Discover someone with a similar situation in our list of [Case Studies](https://unusualrisks.com.au/index.php?Itemid=697)
- When you're ready to know if we can work with you, take our [Anonymous Pre-assessment](https://unusualrisks.com.au/index.php?Itemid=829)
- Or Jump the queue and [Call for a Chat](https://unusualrisks.com.au/index.php?Itemid=848)