#  What's on Offer

  ![high end room service food delivery by smiling hotel staff member](https://unusualrisks.com.au/images/site-pics/how/what-is-on-offer-unusual-risks-insured.jpg) ## So what type of insurance is on offer?

Today, everything

When Unusual Risks Insured first started making specialty insurance available to people living with HIV and other chronic manageable health conditions, only Life Insurance cover was available usually with restrictive terms and conditions.

Over the years and after an immense amount of working with the international re-insurance teams, we are now proudly able to say, all types of insurance cover is open to all our specialist clients - and all through our enhanced privacy management process and health pre-assessment system.

### The Good Stuff!

We believe the highest quality personal insurance products are the ones that clearly indicated what they do and do not cover upfront and who complete all their underwriting and assessments during the initial application; not left, or deliberately postponed until claim time.

This means there are no hidden agendas, problems or extra work required during the most important time of the policy – claim time.

- In a perfect world, everyone has access to the highest quality insurance available and the best risk advisers
- But we don’t live in that perfect world yet so different types and levels of insurance cover are used to best meet the different needs of people

Whether it’s a ‘best to budget' scenario, ‘take whatever I can get’ scenario or you want to ‘top up your existing cover' to protect the new mortgages or celebrate the arrival of a new member to the family – **we can help you get through this minefield safely** with your **dignity and privacy intact**.

### Our expertise includes strategy, helpful advice and access to

Helpful **advice for Everyone**:

- [**Life Insurance**](https://unusualrisks.com.au/index.php?Itemid=739) covering unexpected death and terminal illness
- [**Crisis Recovery**](https://unusualrisks.com.au/index.php?Itemid=752) (aka Crisis and Trauma) **cover** for major specified conditions
- [**Total and Permanent Disability**](https://unusualrisks.com.au/index.php?Itemid=751) (often called TPD)
- [**Income Protection**](https://unusualrisks.com.au/index.php?Itemid=740) cover

**Helpful advice specifically for Business Owners**

- Business [**Key Person and Debt** ](https://unusualrisks.com.au/index.php?option=com_content&view=article&id=219:business-owners-and-partners&catid=83:services&Itemid=756#Business-Key-Person-and-Debt)protection
- Business [**Fixed Expenses** ](https://unusualrisks.com.au/index.php?option=com_content&view=article&id=219:business-owners-and-partners&catid=83:services&Itemid=756#Business-Fixed-Expenses)protection

- Business[ **Owners and Professional Partnerships**](https://unusualrisks.com.au/index.php?option=com_content&view=article&id=219:business-owners-and-partners&catid=83:services&Itemid=756#Business-Owner-and-Professional-Partnerships) protection
- Business[ **Owner and Partnership succession** ](https://unusualrisks.com.au/index.php?option=com_content&view=article&id=219:business-owners-and-partners&catid=83:services&Itemid=756#Business-Owner-and-Partner-Succession)protection.

### So what's 'not' the good stuff, we hear you ask?

Some insurance companies have taken a token approach to insuring people with HIV and provide 'time-limited' life insurance policies. These low grade cut-down policies were designed, some would say, to take commercial advantage of people who could least afford to run the risk of never being able to claim on them because of their deliberately designed time-limited structure.

- A *time-limited policy* is an outdated policy that lasts for a 5 or 10 year period only - then are effectively canceled when the term finishes
- Similar to a car insurance policy, these time-limited policies have to be reapplied for at the end of the contracted period when the acceptance criteria goalposts can be moved by the insurance company at will.
- Fresh medical, lifestyle and occupational assessments are required with no certainty of being eligible for cover.
- Any policy that specifically excludes HIV.

Thats why the team at [Sapience Financial](https://sapience.com.au/) built the specialty brand **unusualrisks.com.au** - to be the change they wanted to see in the world.![logo of our parent company Sapience Financial](https://unusualrisks.com.au/images/logo-svg/Horizontal%20Logo-01.svg) We believe that people deserve better, but *better* was difficult to find for the average person.

###  Did you know some insurance premiums can be paid from a Super fund?

A cost-effective way to pay the premiums for your personal insurances, like Life, Income Protection and TPD insurance is either automatically from a Superfund or split between Super and Personal payments?

Talk with us more about your options when you're ready.

 #####  **Where to Now?**

##### Continue your journey…

- Make sure you Browse through our [Blog](https://unusualrisks.com.au/index.php?Itemid=696)
- Have questions? See our [Frequently Asked Questions](https://unusualrisks.com.au/index.php?Itemid=699)
- Discover someone with a similar situation in our list of [Case Studies](https://unusualrisks.com.au/index.php?Itemid=697)
- When you're ready to know if we can work with you, take our [Anonymous Pre-assessment](https://unusualrisks.com.au/index.php?Itemid=829)
- Send us an [Email](https://unusualrisks.com.au/index.php?Itemid=848) or Jump the queue and [Call for a Chat](https://unusualrisks.com.au/index.php?Itemid=848)

**\#LoveTakesAction**