Most Common FAQ faq about hiv faq about PrEP faq about diabetes FAQ

A life insurance application will always have a section about sensitive medical information and lifestyle questions. We have read every application questionnaire and know what's required and what's going to be asked.

• We have a no BS* no surprises policy so we understand the effect of your answering ‘Yes’ or ‘No’ to every question in an insurance application.
• When you allow us to work with you, we focus on the end result and help you get there quickly and effectively, with dignity intact.

For people concerned with triggering past traumas, we're a Trauma-Informed-Organisation (TIO) and have designed all our systems and interactions to minimise the risk of re-traumatising anyone working with us.

A business runs on its human capital and its most important people are its key employees and the business owners.

A business key-person could be anyone whose absence would affect the profitability of the business; eg: if they were to die or become disabled and unable to continue to work.

Some typical examples of key people could be:

• Director, Managing Director or CEO
• Partner in a partnership
• An employee with a particular skill or technical expertise
• Senior sales manager

Insurance to cover the absence of a key person can help in keeping the business running (by replacing lost revenue, repaying debts and/or finding a replacement).

All of these people can qualify for personal insurances even if they may have a particular health condition that would make the outcome of a traditional insurance application more uncertain.

Sometimes Yes. Expatriate Australians (Expats), living outside Australia but who have an intention to return in the future, can use our online services to pre-assess for life insurance covers and if successful get high-quality life insurance established for themselves, even when they are living overseas. This is helpful for travelers, professionals on assignment and people consulting overseas as part of their normal working lives. Eligibility can change from time to time so check with us first for the current underwriting rules.

Yes. The professionals behind Unusual Risks Insured are Sapience Financial and they can complete your application without the need for a face to face meeting, if that's is what you require. You can find their website here and you can learn about what they became a Trauma Informed Organisation specialising in Financial Advice here.

Yes, when you use our services. We can complete the standard identification questions with you and then send you a web link so that you can complete your Personal Medical Statement, privately online if that's convenient. We can SMS you a password so that your information remains secure. Remember you can also use the services of a Tele Underwriter to complete the personal health questions at a time more convenient too.

Usually Yes. This may depend upon the degree to which you're able to manage your condition and your recent HbA1c score.

For a critical illness application, you may have a policy exclusion imposed on a policy that relates to Diabetes, but you may be able to cover the full range of other issues that a policy can provide for

You can choose the way you want to interact with us and the level of service or advice that you may or may not want to get.

It's about You, after all.

Broadly speaking, there are 3 levels of advice that we usually work with. (Many people like to have a general chat first to see where they want to go with the advice step).

• Full financial advice – where you want us to look at your bigger picture and your plans for the future.
• Limited financial advice – where you only want us to consider a specific area for you eg: Life insurance or Income Protection and not much else. 
• No financial advice – where you know what you want ahead of time and just want us to help you get a particular policy in place

Yes, a lot of the time you can. We are in talks with some insurers about TPD (Total and Permanent Disability cover) and we're had success getting most clients full TPD cover.  You should be aware that high-quality life insurance also pays out upon a terminal illness diagnosis, so that may be of assistance if you have mortgage arrangements that require some form of TPD cover.

Yes, if you have your diabetes under control and don’t have additional multiple risk factors like coronary artery disease, smoking, obesity, uncontrolled high blood pressure, etc., then there's a good possibility you'll qualify for life insurance cover.

For most people, Yes.

Critical Illness is also referred to as Crisis Recovery or Trauma insurance.

For most people, Yes. 

As this is a complex area of specialty, please take our Pre-assessment and then call for a call.

Yes, you can.

• Disability Income Protection is usually another name for Sickness and Accident Income Protection or even just income Protection - (the changes in names drives us crazy too). Regardless of the product name they use, all are designed to pay up to 70% of a person’s income if through sickness or injury they are unable to work.

Contact us today for more information on this specialist window of opportunity.

Yes, you can.

• Income Protection insurance can pay up to 75% of a person’s income if through sickness or injury, they are unable to work.

Contact us today for more information on this specialist window of opportunity.

Yes.

• We can work with people who have different levels of well managed HIV, diabetes or other health conditions.

Matching the right products to your personal situation - that’s our specialty.

Yes. It makes good sense to have all your important policies safely in the hands of trusted and understanding people.

Our Transfer & Manage Service is another speciality service available to our clients where you can have all your personal insurances with a single trusted professional who appreciates the importance of your situation and understands what you want.

Just send us an email or give us a call for a confidential chat and ask us how we do that.

Yes. It's now possible for Australians living with well managed HIV to get high-quality life insurances.

With over 20+ years of experience in specialty risk advice, we have seen a lot of changes and have worked hard to educate insurance underwriters about the need in the community and the developments in medications and management.

• People living with HIV (PLWHIV) can now qualify for full life insurance, income protection cover and even Crisis Recovery insurance cover, if you know where to look and who to work with.

We can help you with that.

Yes. That's one of our specialties.

The first step would be taking our anonymous online pre-assessment to see if your situation is one we can work with.

Diabetes is complicated so most of our clients have to provide some additional health information in a secondary questionnaire as well.

Yes. That's our speciality.

We have clients with both conditions well managed and with full high-quality life insurance in place.

Yes. That's our speciality.

We have clients with both conditions well managed and with full high-quality life insurance in place.

No. The privacy laws are very strict and you don't have to answer questons in front of your partner. In fact, you have to give your consent before being asked any sensitive medicqal questions too. You get to control where an application takes place and who you permit to be there.