Displaying items by tag: Life Insurance

Intersex Remembrance Day

'Pink is for girls and blue is for boys. Girls are princesses and boys are pirates. Girls like only boys and boys don’t kiss other boys... — These are just a few restrictive ideas of gender and gender identity that have seen many queer people marginalised and scrutinised for centuries'.
(National Geographic Magazine - Jan 2017 issue)

If there is anything we know, it's that life is not black and white - and not everyone is neatly defined by an Acronym LGBTI.

Published in Blog

Can you still get life insurance with a history of drug use?

Life is complicated.

Getting on with life is even more complicated; so it's important to talk about what matters most and know where we stand.

  • In 2019, around 3.4 million Australians reported using an illicit (recreational) drug in the last 12 months.1

So how does having a history of personal drug use affect your ability to create a safety net for yourself and your family?

Here's what you need to know ahead of time when you're needing to get your life insurances sorted.

Published in Blog
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Be careful what you Google for when you're searching for simple answers to complex questions like; can people with HIV or other complex health conditions can still qualify for life insurance?

Google Search is part of our modern-day lives.

Who hasn’t made a quick Search for the bio of an actor, the secret to a killer Bearnaise sauce or asked, ‘Is there a sequel to Game of Thrones?’

Search is also a growing part of our personal health management. People's tendencies for a late-night search session with Dr Google self-diagnosing potential medical conditions —by searching for symptoms —are known to trigger many an anxious night of misinformation and questionable comparisons.

The reality is many of our late-night search results usually add to our anxiety and uncertainty.

The new skill of knowing ‘when to consult a professional’ is becoming the new 21th Century survival skill to learn.

Published in Blog

Life still goes on, even in the middle of a Pandemic.

Yes, it makes perfect sense to think about life insurance today - especially today - because life still happens to us all, all the time, even during difficult times.

One of the dangers of living through difficult times (and the LGBTI Community is no stranger to surviving difficult times) is we can sometimes fixate on the biggest issue and ignore the most important issue - our life, love, and relationships continue regardless.

Our innate adaptability can lead many LGBTI couples to embrace wildly different financial goals, styles and circumstances in our partners.

Published in Blog

Valentine’s Day means different things to different people

But ultimately it's about Love — and Love Takes Action

What some people miss is that life insurance is really love insurance — by having sufficient life insurance, they're safeguarding the future of the ones they love.Drew Browne

Four thoughtful ways you can act on your love today

Published in Blog

Six power money decisions every LGBTI couple needs to make

If you’re part of a gay couple, here’s 6 power money decisions that help LGBT couples get on the same page financially, and stay on track together.

Because who wants to spend a lifetime arguing about money, right?

Published in Blog

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

1300 137 403

Published in Essentials
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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
Tagged under

Good News for Australians taking PrEP for HIV prevention.

People taking PrEP are now eligible for the full range of Life Insurance products stigma-free: if you know specialist Financial Advisor Drew Browne, the person behind unusualrisks.com.au

PrEPThis means people using PrEP can get a full range of insurance covers;

It's now all available to Australians taking PrEP - stigma and attitude free - through the specialist financial advisers behind unusualrisks.com.au

So what is PrEP?

You may have already heard about PrEP or perhaps you're looking for more information about how it affects your chances of getting Life Insurance or Income Protection cover?

Either way, PrEP is a medical breakthrough that's already playing a vital role in the efforts to End HIV by 2020.  Now the medication is listed on the PBS (Pharmaceutical Benefits Scheme), just about anyone can now get on it.

Taking PrEP is a highly effective medication for preventing exposure to HIV.

  • PrEP is an acronym that stands for pre-exposure prophylaxis. It involves HIV negative people taking antiretroviral drugs to protect them and prevent HIV infection – in just one tablet a day.
  • PrEP is, as the name implies, a pre-exposure strategy, unlike post-exposure prophylaxis (PEP), which is taken after potential exposure to HIV has occurred.
In a nut-shell:
  • Pre-Exposure Prophylaxis (PrEP) or technically more accurate, HIV Pre-Exposure Prophylaxis (PrEP), simply refers to the regular use of HIV medications by HIV-negative people to prevent them from acquiring HIV.
  • Studies also show it helps lower HIV- anxiety among its users. *JAIDS Journal 11.2019

Who is taking PrEP?

Whether exposure to HIV is through sex or needlestick injuries, there are many people using PrEP to prevent them from being exposed to HIV and taking control of their sexual health and future wellbeing. 

  • Studies show PrEP is effective but the uptake of PrEP has been slow with research showing that's partly due to Stigma and Discrimination concerns - something the team at unusualrisks.com.au understands and provides a complete solution for when you need to apply for Life Insurances or Income Protection.

In Australia, lots of people use PrEP for lots of reasons

  • Some sexually active gay and bisexual men, transgender people and heterosexual people with an HIV positive partner who doesn't have an undetectable viral load, are part of the population groups at higher risk.
  • Similarly, Medical Professionals, Police, Fire, Ambulance and Emergency Services Workers are all at higher risk of occupational exposure to blood-borne viruses through sharps and needlestick injury.

Real Life statistics

  • In Australia, approximately 30 needlestick injuries per 100 beds occur per year.
  • At least 18,000 healthcare professionals suffer from an NSI every year.
  • And 80% of reported NSIs involve a contaminated needle. The Alliance for Sharps Safety and Needlestick Prevention in Healthcare

Research shows that the medication used for PrEP is highly effective at preventing HIV transmission among these population groups.

You can learn more about PrEP here.

What's the problem with PrEP and getting Life Insurance?

Up until now, Australian's taking PrEP have faced uncertainty, stigma and discrimination from Life Insurance companies towards the use of PrEP (and routinely find they also have to be the educator about PrEP).

  • People applying for insurance through online comparison websites report completing the application with full lifestyle and medical disclosures, only to feel insulted when a formal decline is issued due to 'lifestyle considerations'
  • People applying for insurance in their Superannuation fund report being routinely knocked back (and usually after having to disclose a full medical and lifestyle history) as the insurance provider doesn't 'deal with PrEP users'.

Most insurance companies and super funds simply do not provide underwriting for people with unusual occupations, hobbies, pastimes or lifestyles - if you get what we mean. 

That's why people use the expertise of unusualrisks.com.au to get their insurances sorted - stigma-free.

How have Life insurance companies treated people taking PrEP?

The New York Times broke the story of Dr. Philip Cheng, a urologist in Boston taking PrEP and being denied full insurance cover until he stopped taking, Truvada (the pharmaceutical brand name for PrEP) to prevent HIV infection.

When American News is not accurate for Australia

Today as many people get their news from the internet, the growing risk is it may not always be relevant in Australia.

  • Many American Life Insurance companies take a discriminatory approach to how they underwrite the use of PrEP and outright deny any form of insurance coverage.

  • Many Australian Life Insurance companies and Super funds formerly decline applications for insurance by people using PrEP and discriminate in a similar way against people with well managed HIV or Diabetes.

Good news for Australians taking PrEP

The good news is Australian's using PrEP and who need Life Insurance or Income Protection, now have a clear pathway to getting their cover sorted - stigma and discrimination free - through unusualrisks.com.au

Where to now?

  Learn more about how our process works. See How It Works.

  Have more questions? See Frequently Asked Questions.

Published in Services
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