What we do
We specialise in helping people living with well‑managed HIV or diabetes get quality Life Insurance - because life insurance means financial protection to those you love, at a time when they shouldn’t have to think about money.
These days HIV or diabetes doesn't have to be a life sentence
But most insurance companies still treat you like it is. People with pre-existing well‑managed health conditions have, up till now, been prevented from accessing quality Life Insurance and Life Insurance products, simply because of their conditions.
This is not just about getting Life Insurance, this is a human rights issue.
We believe that every Australian should have equal access to high-quality Life Insurance products, no matter what their sexuality, gender, race, age or beliefs. We believe this is not just about getting Life Insurance, this is a human rights issue.
Life Insurance can help you be certain your loved ones are provided for; your child's educational needs are taken care of, and that your chosen family won't have to worry about their future if you’re not there to continue to protect and provide for them.
A sad but all too common experience
Often, when a couple set up life insurance to protect each other, one person has their application accepted, but the other is refused because of a pre-existing health condition. Both are left feeling that a wedge has been driven between them and that their needs and choices were not understood, honoured or valued. At unUsualrisks.com.au our mission is to change this.
When does life insurance pay out?
Life insurance will normally pay out upon the death of the life insured and can help their dependants cope financially after you die.
Many people don't know that high quality life insurance can also pay out upon the diagnosis of a terminal illness in the remaining 24 months, as well making it a strong part of a backup plan.
Most people don't know that 30% of life insurance claims are made for terminal illness
How we do it?
We start with providing up-to-date, high-quality relevant information about what's now possible for people living with diabetes or HIV.
Then we provide an anonymous online pre-assessment service so that people can quickly find out if their medical condition is one we can work with.
Finally, we collect medical reports upfront to confirm that if we were to advise you to make a formal application for life insurance, you'd have a very significant chance of success.
8 Good reasons to choose us as your risk adviser
- Easy online pre-Assessment
- The ability to be pre-Assessed anonymously
- Our understanding of HIV and diabetes issues
- Our skill at matching the right client’s healthy profile to the right insurance providers
- Our ability to talk about anything without judgement or embarrassment
- Our No-surprises No-BS Guarantee
- You control the conversation
- Your choice of communication method: Skype-to-Skype, phone-to-phone or face-to-face (or just email).