Displaying items by tag: faq

My partner is not HIV positive; can you help them at the same time as you help me?

We sure can. We believe in looking after those who look after you. The process is much the same, just no online pre-assessment is needed. 

For friends, family and supporters who want standard life insurance cover, the application process is the same, and there is no need for a pre-assessment.

Just send us an email and we'll organise the rest.

Published in About HIV

What's the main difference between TPD and Crisis Trauma insurance?

The main difference between crisis/trauma insurance and total and permanent disability insurance (called TPD)  is crisis/trauma insurance will pay you for the specified illnesses listed in the policy, while you are trying to get back to work, while TPD insurance doesn't pay you unless you are disabled and more likely than not may never go back to work.

Published in Essentials

Can I take out Income Protection insurance if I have been diagnosed with well managed HIV?

Yes, you can.

  • Income Protection is also called Disability Income Protection.  The changes in names drive us crazy too). Regardless of the product name they use, all are designed to 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.

Published in About HIV

Can I complete my life insurance application without a face to face conversation?

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.

Published in Essentials
Thursday, 07 November 2019 12:34

What is the phone number for unusualrisks.com.au ?

What is the phone number for unusualrisks.com.au?

1300 137 403

Published in Essentials
Thursday, 07 November 2019 12:32

Who is the company behind unusualrisks.com.au ?

Who is the company behind unusualrisks.com.au ?

Sapience Financial and Investment Services.  You can find their website here and you can learn about what they became a Trauma Informed Organisation specialising in Financial Advice here.

Published in Essentials

During a life insurance application, will you ask me if I'm Bisexual?

No.

There have been significant reforms to the way gay, lesbian, bisexual, intersex people and trans folk are treated by insurance companies.

  • It is no longer acceptable for insurance companies to ask if a person applying for a policy is gay or bisexual and insurers will not ask questions about sexuality.

Companies cannot make assumptions about a persons sexuality from the details of their living arrangements, occupation or medical history.

Published in About HIV

Can I take out TPD (total and permanent disability) insurance if I have been diagnosed with HIV?

For most people, Yes. 

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

Published in About HIV

Can I take out Disability Income Protection insurance if I have been diagnosed with well managed HIV?

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 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.

Published in About HIV

Yes

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.


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