All our case studies are inspired by real people united by a common belief — to protect and provide is the very essence of being human

Below are some insightful case studies that show how different people in very different situations are all united by their decision to protect and provide for someone they love.

Scroll down to learn about some of the people we work with, perhaps like you.

Co-parenting - it takes a modern village to raise a modern child

Gay couples don't stumble into parenthood by accident — it's always a deliberate act (and usually a complicated one too).

Like any modern family, there are many ‘ways to grow a family’ and Co-parenting is becoming just one of those many ways.

Meet Ethan - a sensible and available guy who took out his life insurance when he was 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 been thinking about the hard emotional decision, How much is enough?

Meet Jennifer and Amber - partners for life.

Jennifer has spent the last 8 years climbing the corporate ladder in a busy city law firm and was made senior associate last Christmas. Her obsessive attention to detail means she's particularly good at what she does but the possibility of having to work through the fine print details of a life insurance policy is not something she's looking forward to.

Learn more about John & David in our Case Study here John & David, living with HIV and owners of full life insurance.

• Read the video transcript below.

Meet John and David - first homeowners with their Life Insurance sorted and living with HIV.

They’re about to sign the contracts on their new home, and it’s an exciting and stretching time, regardless of the interest rate

Meet Lisa. She's a procurement manager for a busy national corporate and there's nothing she can't find when she puts her mind to it

But when it came to life insurance for somebody with diabetes, that proved a bigger challenge.

Last year while on holiday, Lisa's partner Sandra had to go to the hospital after a problem with her diabetes medication.

Let's meet Jill & Kerry and learn more about Modern Families and the Modern Insurance that supports them.

• Read the video transcript below.

He’s also an experienced software coder, a ‘Guncle’ to three nephews and a little princess who he's bought every available Disney princess dress on the market, and the best of partners to his boyfriend Ashish.

Working mostly from home (but always within reach of a laptop), Ramesh is one of the new breeds of ‘professional knowledge worker' who relies heavily upon his ability to sit at a keyboard, think and type code - all from a keyboard.

Ricki and Devesh are a same-sex couple who first met at University and later married after the Australian Marriage Equality plebiscite in December 2013. Ricki is a Florist and Devesh is an Account Manager for a pharmaceutical company.

For years they wondered if it was ever going to be possible for them to start a family together. They learned all about the Australian foster care system and adoption and even looked at expensive overseas options too.

They met on a dating app and have been good mates ever since.

Simon is a teacher currently completing additional night study at Uni.  Jordan works from home 4 days a week in IT support for a large logistics and distribution company.

Both guys have separate casual relationships and enjoy live music, online gaming together, and following music festivals around the country. They’re both fit and healthy, have packed social calendars and both use PrEP to help manage their own sexual health.

Meet Terry - a skilled fly-in-fly-out (FIFO) mining professional who looked for unusualrisks.com.au

Cheap tattoos changed his life.

'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'.

Meet Tina and Garry - proud new parents of a baby boy

A miracle you might say - because Tina and Garry are officially a serodiscordant couple. (In simple terms, it means one of them is HIV positive).

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.