#  Transfer & Manage My Existing Policy Service

  ![](https://unusualrisks.com.au/images/site-pics/services/transfer-and-manage-existing-life-insurance-policy-services-of-unusual-risks-insured.jpg)  [🏛️](#scds-ledger-anchor) Specialised Service Contract & Underwriting Compliance Verified

## Can we take over the ongoing management of an existing life insurance policy for you?

Yes, we can.

This is one of our most asked about questions.

The *next most commonly asked question* we're asked is;

*'Can you tell me if my existing policy actually covers me for a particular medical condition?'*

**And Yes, we can do that too**. (And we actually do a lot of that by the way).

### Are you one of the thousands of Australians who have lost track of their personal insurance policies?

Do you have an existing Life Insurance policy, Income Protection policy, or perhaps a Super account providing insurances you've lost touch with?

- **Not sure what your old insurance policy actually covers**, if it's still value for money and meeting your needs?
- Maybe you **have some concerns about its wording**, cover limitations, possible exclusions, and whether it will actually pay out if needed?
- Perhaps **your health or personal circumstances have changed** since you first took out these insurances and you're not really sure where you stand?
- Maybe **you feel it's just time to move on** and start working with a Specialty Adviser like unusualrisks.com.au who's more aligned with what you value?

If this sounds like you, it sounds like you could benefit from our second opinion and discrete [Transfer & Manage My Insurance Policy Service](https://unusualrisks.com.au/index.php?Itemid=758).

### We can manage the transfer of neglected insurance policies when your provider has forgotten about you (or worse still - simply abandoned you).

Sadly, this is a common and frustrating problem for many people. Advisors leave the industry, businesses are sold and closed and people lose touch for many reasons.

It's the cause of many *constant low-level irritations* afflicting busy people already juggling busy lives and responsibilities.

### Relax. We have the solution

Our **Transfer & Manage my Insurance Policy** service can take over the day-to-day management of any life insurance policy already in force and manage them all under a single agency for you, with absolute security, privacy, and discretion.

We can also provide additional professional insights and advice on;

- Whether an existing life insurance policy has any special conditions,
- How any new health issues may (or may not) affect the outcome of a potential future claim, and
- Add or update your official nominations about who should be your [Life Insurance Policy Beneficiary](https://unusualrisks.com.au/index.php?Itemid=749) or [Super Fund Account Beneficiary ](https://unusualrisks.com.au/index.php?Itemid=749)too.

### Who uses our Transfer & Manage Service?

There are five (5) main types of situations where people use our [Transfer and Manage Service](https://unusualrisks.com.au/index.php?Itemid=758)

1. People who **feel disconnected from their current financial adviser** (perhaps they left the industry)
2. People who **have specialty medical conditions and uncertainty** about whether an existing policy covers that condition.
3. People who **feel overwhelmed by the paperwork, and jargon** and want an expert to sort it all out for them.
4. People who have **decided they're better off using a specialist** financial adviser with a deeper level of expertise they feel more aligned with.
5. People who **see the value in having their own specialty adviser** looking out for them and their family's interests first.

### Why do people use our Transfer & Manage Service?

Since the last damming report of [The Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry](https://www.royalcommission.gov.au/banking), many people are now using our [Transfer and Manage Service](https://unusualrisks.com.au/index.php?Itemid=758) to get the clarity they need on existing insurance policies and to have us manage them all in one place.

- Citing concerns over potential conflicts of interest, more and more **people are moving away from financial services providers who are either owned, backed or franchisees of major financial institutions**.
- People today are simply no longer prepared to support a business with a history of putting the commercial interests of their shareholders before the best interests of the customer.

### How to use our Policy Transfer & Manage Service

There are 5 Steps to regaining control over a lost or abandoned policy using our <a id="transfer-and-manage-my-policy-service">Transfer &amp; Manage Service.</a>

1. If you still have a copy of your original policy statement, **grab it and look for the policy number** (or member number). If you don't, relax, we can trace it if you provide us some basic information too.
2. **Send us the details** (or a scan of the document).
3. **We'll send you back a pre-completed form to sign** confirming you give us permission to make discrete inquiries on your behalf.
4. **We'll find out what you need to know** and give you some options.
5. When you're ready, **we can take over and manage your policy** for you.

 #####  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)
- Get in touch through [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)

 ---

 MCX\_Service\_Avatar\_Title: Existing Policy Audit &amp; Management Transfer Summary ##### 🏛️ Service Contract Summary

 ##### 🏛️ Transfer &amp; Manage Existing Life Policies

MCX\_Service\_Avatar\_Title: Existing Insurance Portfolio Audit &amp; Servicing Transfer**🎯 Our Service Commitment** MCX\_Purpose\_Avatar
This service acts as a **confidential administrative guard and permanent performance optimiser** for your existing personal insurance portfolio. Over time, many individuals accumulate fragmented policies across different superannuation funds, retail providers, or past employment structures—often carrying legacy premium loadings or restrictive exclusions. We locate, audit, and consolidate these assets under a single discrete management structure, ensuring your historical coverage is preserved, optimized for value, and insulated from administrative neglect.

**✅ Standard Performance** MCX\_Performance\_Metric

- **Fragmented Asset Auditing:** Conducts a comprehensive forensic review of all active policies to identify whether you are double-paying for overlapping coverage or carrying unnecessary premium loadings.
- **Exposure &amp; Gap Identification:** Maps historical policy definitions against your current lifestyle, income requirements, and medical profiles to locate hidden vulnerabilities that could jeopardise a future claim.
- **Streamlined Administrative Consolidation:** Transferring the "servicing rights" of your existing contracts to our care gives you a single, discrete point of contact for claims, beneficiary updates, and alterations, eliminating the need to deal with multiple institutional call centres.
- **Continuous Underwriting Monitoring:** Tracks ongoing industry premium adjustments, legislative superannuation shifts, and evolving medical underwriting guidelines (specifically regarding HIV, diabetes, and preventative care) to keep your portfolio optimised.

**🛡️ Critical Constraints &amp; Disclosure** MCX\_Boundary\_Rule

- **No Automatic Cancellation:** We strictly advise against cancelling or modifying any existing coverage until a comprehensive forensic assessment is finalized; transferring servicing management does not alter your underlying policy rules.
- **Grandfathered Protection Safeguards:** If a policy replacement is ultimately recommended, we ensure your complete medical history and pre-existing conditions are fully underwritten and accepted by the new provider before altering your legacy protection.
- **Provider Cooperation Rules:** The capacity to seamlessly transfer administrative servicing rights depends entirely on individual institutional rules and the specific product categories currently active.

**❓ Common Clarity Point**
**Will transferring my existing insurance policies to your management force me to undergo new medical tests or disclose my health history again?**
Absolutely not. Transferring the servicing rights or management of an existing retail or superannuation policy is a purely administrative process. It simply appoints Unusual Risks and Sapience Financial as your broker and adviser of record. Your underlying insurance contract remains completely intact, your original entry dates are preserved, and no new medical underwriting, questionnaires, or clinical examinations are triggered. Your private health history remains completely insulated from fresh scrutiny.

**🏛️ Compliance &amp; Security** MCX\_Reliability\_Signal
Managed by verified risk advisers under corporate licensing provided by **AFSL 457600** and **LEI 636700B1Z4KB80HRGI57**. All highly sensitive policy schedules, historical application ledgers, and identity documentation are fully protected under strict Australian data sovereignty frameworks, fortified via high-level AES-256 encryption, and managed exclusively on secure local infrastructure utilising mandatory 2FA protocols in strict alignment with our [Privacy Standard](https://unusualrisks.com.au/../privacy).

 **Corporate Registry Anchor:** Unusual Risks Insured is a specialised corporate solution lane of Sapience Financial | **AFSL:** 457600 | **LEI:** 636700B1Z4KB80HRGI57

---