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The online Medical pre-assessment takes most people about 60 seconds, depending upon the level of detail needed.

Absolutely! The clever people behind unusualriks.com.au run a complete financial advisory practice and provide all our services under the parent company name Sapience Financial. We have a range of standard & specialty clients.

• Over the last 20 years, Sapience specialty clients have established in excess of $30,000,000 insurance cover and received over $5,000,000 in insurance claim payments.

You're welcomed into our family, regardless of gender, sexuality or diagnosis.

(*Serodiscordant is sometimes referred to as a mixed-status relationship and is usually one where one partner is not HIV positive)

Yes. Tell us who, what, when and what happened and we’ll see if we can help you out.

Sadly Yes. Many of our clients have faced this very avoidable problem.

In simple terms we try to explain it this way; ‘You can't buy a hot dog from a hamburger food chain - because hamburger chains just don’t sell hotdogs’.

Sadly many insurance companies simply won't tell you upfront what is not on their menu and many good people end up wasting good time going through a process that never had a chance of success in the first place. That's why you need a specialist insurance adviser from unusual risks.com.au to help you successfully navigate the insurance application process successfully.

This type of event is seen as a complication to a pre-existing condition and would raise some additional questions about health management, but is best seen in the light of the surrounding circumstances. 
For example, you might have had this event as a child. For younger people, this could be more difficult to work with but it would need to be assessed on a case by case basis- and that's our skill.

No. Never an issue.

Life insurance is about data and statistics. It has nothing to do with sexuality, gender expression, lifestyle, identification with a lifestyle, labels or tags.

• We don't ask about sexuality identification and nor should anyone.
• Not all people and not all partners identify in traditional ways (whatever that is)
• Not all people and not all partners want to be Out and that is always their choice.

We believe all people should always be respected; regardless of who they love or how they identify (or don't).

The team at unusualrisks.com.au believe it's always the individual who matters more than all of that put together.

No.  An application for personal insurance is assessed once and then the policy is issued. It's yours for the life of the product. Because it is assessed only once, it can’t be forcibly changed on you.

• Personal Insurance policies are guaranteed renewable. (As long as you pay the premiums, the policy is yours to keep regardless of any change in your health, your occupation or health status). That's complete peace of mind.
• General Insurance policies usually have to be re-issued every year. Because they usually only last a year, they have to be re-applied and re-assessed annually too. This means that as your situation changes, you may no longer qualify to be insured with one of these general insurance products.

The sooner you get your personal insurance in place, we believe the better off you'll be.

No, not when you use our services. While your application is being processed, you are usually covered by a level of interim insurance. You should refer to the individual insurance companies PDS for more details about that option.

If you are using a telemarketer to buy life insurance you may not be covered for the first 5 years so you need to read all the fine print when dealing directly with an insurance company. We believe the safest option is to use a professional non-aligned insurance adviser to look after you rather than risk it.

Back 'in the day' (ok in the not so distant 1980's) it was impossible to get Life Insurance for someone who had tested positive for HIV.  This was because life insurance companies simply deemed the risk of a policyholder dying abnormally quickly, too high.

Add to this, the fact there was so little statistical date available about treatments, life expectancy increases and medical breakthroughs, the insurance actuarial community didn't want to know about it.

This stance by the life insurance industry had two major effects:

• not only did people living with HIV find it impossible to get life insurance, but
• people who were at an increased risk of HIV were reluctant to have an HIV test in case it meant they would be 'turned down' for a future life insurance policy.

The team behind unusualrisks.com.au decided to be the change they wanted to see if the financial services community and have now designed a framework that helps people living with well managed HIV get their life insurance needs sorted.

No worries. We believe in looking after those who look after you.

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

In today's modern families we believe nobody should miss out.

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.

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.

Insurance premiums are structured to reflect the degree of an individual's risks a life insurance company accepts. eg: Smoking or not smoking.

Your type of employment will affect the policy premium. eg: a typical university-qualified professional working in a predictable environment like an office, would usually cost less to insure than a blue-collar Scaffolding Tradesman working on a high-rise building.

• If you have hazardous hobbies or pastimes, like competitive car racing, skydiving or deep-sea diving on shipwrecks, you would expect the premium to be increased to cover the additional risk.
• If you just go to the gym to keep fit or cycle or go bushwalking on the weekends, you wouldn't expect any premium increase.
• If you wanted a particularly large amount of insurance cover, eg: over $2,000,000 all life companies will request an HIV test, regardless of your age, gender, health or occupation.

The introduction of highly active antiretroviral therapy HARRTS (also called ARTS) over the past few years has now prolonged the lives of many people who are living with HIV. Meanwhile, insurance underwriters and Unusual Risk Insured Australia have worked together to design specialist life insurance services for people who have tested positive for HIV and who need life insurance protection for their partners, families and businesses.

• Eligibility for cover is usually for people with undetectable viral load (or very close to it) who have successfully been on treatment for at least 6 months. 

A typical application is made up of two sections.

• Part 1 The Basic Questions like who you are, your type of occupation and whether you have special travel or pastimes that have a higher risk eg: do you take regular treks to the Himalayan mountains every year or do you race vintage motorbikes etc.
• Part 2 The Personal Health Questions There are approximately 30 - 40 health-related questions to complete.

Today where possible we use online and over-the-phone options to complete Life insurance applications so the whole process becomes easier and more private.