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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.

Our Director and Senior Adviser Drew Browne works personally with every one of our specialty risk clients.

Here's a link to his Public LinkedIn professional profile if you would like to know more about him. He's a good guy to know and have in your corner as your advocate.

Usually, because they don’t know what you now know or they're really time poor and happy to take the view, 'something is better than nothing'.

Having a speciality Risk Adviser like unusualrisks.com.au looking out for you and your loved one's interests means you would never be exposed to such a risk.

• At unUsual Risks Insured, we're on record as boldly stating to all insurance companies, “Stop selling rubbish to good people!"

Those companies that continue to do so, cite commercial decisions. We believe, they find an advantage in hoping people will not read the fine print or have not got a professional adviser looking out for them.

By informally pre-assessing your situation upfront, we can determine ahead of time the likelihood of whether if you would qualify for cover using the current underwriting requirements.  This means we can position you so you have the best chance of being offered fair and reasonable policy terms, should you decide to make a formal application.  It's all about having absolute certainty before you make an application without any hidden exclusions or uncertainties.

If you are unsuccessful in your pre-

Life insurance is all about giving the people you care about most, financial security if you’re no longer alive to support them.

• With life insurance, when you die, (or become terminally ill), your nominated loved one(s) can receive a lump sum payment.
• They can use this to continue living the life you want them to. Mortgages can be paid out, children’s private education fees paid, people aren't forced to leave the home or area where they have been used to living and frail aged or special needs people in your life can be cared for.

If you’re in business, it can mean that if you unexpectedly pass away, your business debts are paid out and that the business doesn't have to be wound up or forced into a sale.

• It can also mean that you (or your business partners) are not forced into continuing business with the remaining family of business partners. The possibilities are as individual as your needs.

Understanding this difference can save you tens of thousands of dollars over the life of a policy. You can have peace of mind that should you need to claim on your policy, you don't need to expect a company to look for a way to void the policy as its first response.

More than likely yes. The majority of clients require blood tests now.

• We use a mobile pathology service to meet you when convenient (even after hours if that helps) to take the standard blood test sample.
• Alternatively, we can send you a form to take to your treating GP and have that completed with them. (Our experience is that the mobile services is the fastest options and that's what most people seem to be comfortable with). When and how is always your choice