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Deciding to have a baby is a big decision for anyone, but for a couple living with HIV the decision is more complicated. Tina and Garry today join the growing numbers of seroconcordant couples in Australia who have successfully given birth to healthy babies.
Mother to child transmission of HIV is rare in Australia and usually only occurs when the woman doesn't find out she's HIV-positive in time to take precautions to prevent it.
Thanks to the medical treatments now available, HIV positive people have a better quality of life, and that’s why it’s common for many couples in this position to consider the possibility of starting a family.
And thanks to the specialty life insurance advisers at unusualrisks.com.au HIV positive people and diabetics can now also qualify for high-quality life insurance too. This was something that for many years was simply impossible.
Tina and Garry wanted to become pregnant and decided they would learn everything they could before they become pregnant. As part of their plan, they discussed their dream with their GP who also referred them to a HIV specialist. Tina had questions about whether the antiretroviral meds would have an impact on her fertility and found that for a healthy person with an undetectable viral load gives them the best chance of success.
After many long conversations, they eventually decided to use some reproductive assistance to help them navigate through the process to reduce the risks involved. After a couple of false starts, the good news arrived: they were pregnant.
Ask any new parent (or parent to be) what’s high on their list of priorities and they’ll mention protecting and providing for their partner and their new family. That’s where the peace of mind or having your own life insurance policy in place comes in – just in case – because we all have someone special to protect and provide for.
"Sometimes you feel overwhelmed with advice but these are the 4 key things for our family".
“If you’re already pregnant – Congratulations! Get your life insurance sorted. If you don’t do it today it can get lost under a pile of other things you have to do and slip your mind. For us, it was more about feeling and being responsible and the habits of good parents I suppose” – Tina and Garry
Jennifer enjoys learning about products and services in her own time, doing her own comparisons and research and then preparing her list of hard-hitting questions, before talking to anyone about them.
'My name is Terry and I'm 37 and I married my childhood sweetheart. A few years ago we decided as a family that the only way we could get ahead and save a big deposit for a house, was for me to go work in the remote mines of Western Australia or Northern Queensland. The plan was to work hard for 5 or 6 years and use my high income to save a healthy deposit'.
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!
George’s shift-work is often unpredictable, so living closer to work and cafes makes his life easier.
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.