For years they wondered if it was ever going to be possible for them to start a family together?
They learned all about the Australian foster care system and adoption and even looked at expensive overseas options too. After months of sleepless nights, endless conversations, and an exhausting search for what felt like the best thing for them, together they settled on the idea of altruistic surrogacy in Australia.
Ultimately both Ricki and Devesh decided they wanted to have a child who was biologically their own.
The next few months seemed to be a blur of appointments with Fertility Counselors, IVF treatments and cycles, genetic tests, couples counseling, and what seemed like a mountain of legal paperwork.
When it came to Ricki & Devesh getting Life Insurances in place to protect themselves as they were soon to be Intended Parents and their Surrogate, their Fertility Counsellor recommended a confidential chat with unsuaulrisks.com.au who specialise in complex insurance situations.
For Ricki and Devesh, deciding which of them would be the biological father was fairly simple. Of the two, Rickie is far more attached to the notion of his child being biologically related to him, while Devesh is just simply excited by the prospect of becoming a ‘Dad’, especially if the baby has a biological connection to his husband.
Now Ricki regularly sends Jane (what is often described as ‘an entire florist shop in a delivery van’) thank you flowers. They're all excitedly looking forward to the arrival of their new child - made possible through IVF and the incredible love and generosity of a new family friend who agreed to become their Surrogate.
Learn more about the IVF & Insurance Timeline to arrange Life Insurances for Intended Parents and their Surrogate. Download our free resource, When to Arrange Intended Parent and Surrogate Life Insurances, chart.
Learn about our Surrogacy and IVF Life Insurances.
Have questions? See our Frequently Asked Questions specifically for Surrogacy services.
Read about our range of Services. See Our Services.
Ready to know if we can work with you? Get in touch with us for a chat.
Hospitals, surgeries, clinics and accident sites are often high-pressure, fast-paced environments where sharps injuries to medical professionals occur all too frequently.
White-collar professionals are often highly paid and highly leveraged, so they need a comprehensive insurance strategy to safeguard what they have worked hard to achieve.
Watch Donald's real-life story below of how a trauma nurse experienced an accidental needle stick injury.
Often the main reasons medical professionals don't have the appropriate insurance in place is due to its complexity. It also takes time and expertise to understand how a bloodborne disease (BBD) can have a devastating effect on both your health and your ability to continue to earn an income.
We understand the needs of medical professionals and can help you protect yourself, your family and even your business partners from the financial consequences of work-related injury.
unUsual Risks Insured have flexible face to face, phone to phone or online only solutions to meet these challenges and to provide absolute confidentiality when needed too.
Australian nurses and healthcare workers suffer an estimated 18,000 needlestick injuries a year*
*Cathryn L. Murphy, RN, PhD, CICP, CIC Improved surveillance and mandated use of sharp with engineering sharp injury protection: A national call to action. Healthcare Infection 2008.
Blood borne disease insurance cover can provide lump-sum cover between $50,000 and $1 million for medical professionals (dentists, doctors, nurses and paramedics) and for people working in some other at-risk occupations (such as police and pathologists) if they contract HIV, hepatitis B or hepatitis C due to an accident while working in their usual occupation.
This type of cover can be put in place alongside a typical life insurance policy and covers Bone Dust and Blood Splatter events.
Occupationally contracting HIV or hepatitis B or C can cause emotional significant distress and career consequences that, in turn, can create financial anxieties for you and for those who depend on you.
Confidentiality concerns may further complicate the issue while professional body memberships and requirements may trigger consequences not previously envisaged.
For medical professionals, a work-related injury could mean a long illness and or particular restrictions on the types of duties you can continue to perform at work. Some specialists can even be prevented from working in their chosen field.
We have a powerful supportive option to this problem
Life Insurance is an 'underwritten financial product'. This means that levels of risk are often measured by insurance underwriters in 'likelihoods' and '% of chance'. Until recently, for HIV research, insurance underwriters had limited data to make predictions from so they simply refused to offer Life Insurance in circumstances where people were diagnosed with HIV.
When you have a pre-existing medical condition, getting high-quality Life Insurance requires the expertise of a specialty Risk Insurance Adviser because of 4 key reasons;
Here are 4 significant differences that are often overlooked when setting up specialty life insurance.
These are also 4 reasons why Life Insurance companies spend a lot of time in the initial assessment of the policy — because once you have a policy, it can't be taken away from you. So, now you can see the value in having a non-cancellable Life Insurance policy that's right for you.
Sadly, we come across situations where people have already applied for life insurance only to be refused based upon their lifestyle and their medical conditions.
Our anonymous pre-assessment process prevents this damage from happening.
If you're health-conscious, eat and exercise well, maintain your weight and have an active lifestyle, this is important information that should also be taken into consideration by a life insurance underwriter. But with a standard application form, none of this is taken into account, so the result is almost always an automatic 'no'.
One of the common practices for general advisers and employed advisers is to simply 'send your health information around to different insurance companies' in the hope that one of them might be interested and provide feedback on whether they can help. The ugly inside truth is that many of the risk insurers admit that they don't both to provide helpful feedback because of vested interests and concerns over commercial intelligence.
So now you can see why you need the specialist team at unusualrisks.com.au to get you the result safely, efficiently and confidentially.
At Unusual Risks, we understand the underwriting processes and the medical requirements that insurers need to work with. We can present you in the most favourable light so that your chances of success are the highest.
In reality, someone living with HIV or diabetes is still more likely to be turned down for life insurance by mainstream insurers than someone who doesn't have these conditions. If you are offered cover, you'll pay about the same premium as other people with pre-existing conditions such as cancer, certain kinds of heart conditions, or smokers.
Tell us how we can best work with you, and we'll make that happen.
When it comes to being single in the LGBTQI+ 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 LGBTQI+ 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 LGBTQI+ community, there's really no such thing as average.
However you're doing it, Love makes a family.