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.
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
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?
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.
1300 137 403
This 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
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.
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.
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.
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).
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.
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.
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.
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
Yes. It makes good sense to have all your important policies safely in the hands of trusted and understanding people.
Our Transfer & Manage Service is another speciality service available to our clients where you can have all your personal insurances with a single trusted professional who appreciates the importance of your situation and understands what you want.
Just send us an email and ask us how we do that.
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-assessment, you don't end up with a formal refusal or decline recorded against your name.
Usually, those sold by telemarketers and other low grade insurance resellers. Some of the more common life insurance policies sold through telemarketers have the bulk of their underwriting assessment done at claim time. For the uninformed consumer, we say this is dangerous (probably bordering on crazy) because you never really know if you are insured until you have to claim.
Where is the peace of mind with this type of policy you ask? Yep, we’re still looking for that ourselves. Without the assistance of a speciality risk adviser from unusualrisks.com.au you’re totally on your own. And who will be there for you and your loved ones at claim time? A different telemarketer this time perhaps?
When it comes to being single in the LGBTI community, there's really no such thing as average.
And it's your single life, so live it your way.
When it comes to being partnered in the LGBTI community, there's really no such thing as average.
There's no right or wrong way to live a purposeful life, just what works for you both.
When it comes to parenting in the LGBTI community, there's really no such thing as average.
However you're doing it, Love makes a family.