Listen to The Story Of Patricia

The Story of Patricia podcast 5 part interview

 A Grandmothers Fight to Do What's Right

Battling HIV Stigma in Australia

Listen to our 5 part Podcast Interview with Patricia Kenney OAM

Browse Our Blog

Good advice can feel like education - and just learning about what's possible.
Browse through our blog - unusual risks insured

Go There!


What’s the possible outcome of an application for insurance?

There are usually 3 outcomes that an application for insurance can have.

  1. Accepted – this is where an insurance policy is offered on standard terms for you to review and accept. (This is the best-case scenario).
  2. Loaded or Excluded – where an insurance policy is offered on non-standard terms eg: premiums are increased due to risk or specified conditions are excluded eg: covering all issues except a re-occurrence of a pre-existing back I injury etc. (This is still a good case scenario as it means you can still get cover).
  3. Declined - a decline decision can also mean that the life company doesn't have enough information at this stage to reach a decision. This might happen if your GP has recommended you see a Specialist about an issue, and you haven’t yet seen the Specialist ( so the usual information is not yet available). In this situation, your medical information is considered 'not yet complete' so a final underwriting decision cannot be made until the information is complete So the application is declined.

Insiders tip: Be aware all Insurance policies that are offered with non-standard or amended terms of cover or conditions usually have to be accepted within 21 days. (This is because a person's health can change over time).

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

About Us provides support to those people who insurance companies leave behind. We believe in giving every person the power to use life insurance products to protect & provide for their loved ones, their businesses and their legacy — free from barriers of stigma and discrimination.

We know that, as an LGBTQIA+ person (or someone who goes without labels entirely), you have specific financial advice, life insurance and privacy needs.

We're committed to serving the LGBTQIA+ community and its Allies. For us, it's about #AdviceEquality.

Make us part of your story so should the unexpected happen to you or whoever is family to you, you'll have a backup plan in place to help you financially recover and life can still get better for somebody you love.


Contact Us

Working online & serving Australia Wide
from George St Sydney, NSW, Australia.
[ Gadigal Land ] & [ Darug Country ]

Say Hello!

Phone: 1300 137 403
Send a Message here

Get Advice-on-Demand via
email | phone | video | face to face

Everyone is Welcome Here!

 Progress Pride Flag

Logo of Unusual Risks Insured

Sorry, this website uses features that your browser doesn’t support. Upgrade to a newer version of Firefox, Chrome, Safari, or Edge and you’ll be all set.