We understand that
today's modern families
can be biological or logical

Displaying items by tag: Couples

I am part of a *Serodiscordant relationship – can my partner get the same high-quality life insurance services from you as well at the same time as myself?

Absolutely! The clever people behind unusualriks.com.au run a complete financial advisory practice and provide all our services under the parent company name Sapience Financial & Investment Services. We have a range of standard & speciality clients.

  • Over the last 20 years, Sapience speciality clients have established in excess of $30,000,000 insurance cover and received over $5,000,000 in insurance claim payments.

You're welcomed into our family, regardless of gender, sexuality or diagnosis.

(*Serodiscordant is sometimes referred to as a mixed-status relationship and is usually one where one partner is not HIV positive)

Published in About HIV

My partner is HIV negative so what is the process for them getting standard insurance cover through you?

No worries. We believe in looking after those who look after you.

  • For friends, family and supporters who need standard life insurance cover, the process is the same, just no need for a pre-assessment.

In today's modern families we believe nobody should miss out.

Published in About HIV

Will they ask about monogamist relationships and unprotected sex?

The good ones won't.

  • Relationships, regardless of gender, are now recognised by the quality insurance providers who have modified their application questions so that 'unprotected sex', in a monogamist relationship is considered standard.
  • A few insurers are yet to update their assessment processes and monogamous same-sex relationships may inadvertently trigger an additional questionnaire about behaviours.

While this is an ongoing frustration for unusualrisks.com.au we know those providers to avoid and those to use.

Published in About HIV

Do I have to answer questions in front of my partner if I don't want to?

No. The privacy laws are very strict and you don't have to answer questons in front of your partner. In fact, you have to give your consent before being asked any sensitive medicqal questions too. You get to control where an application takes place and who you permit to be there.

Published in Essentials
Saturday, 18 June 2016 16:12

Modern Family Insurance

We understand that today's modern families can be biological or logical.

They can include:

  same-sex couples

  same-sex parents


  one-parent families

  extended families

  blended families

  gender neutral families

  families with carers

  people living apart together (LAT), and even

  traditional parents with kids

For someone living with pre-existing medical conditions like HIV or diabetes, a family can even extend to a network of close friends.

However you identify and whoever is family to you, we believe no one should miss out.

No one should miss out

While our anonymous online pre-assessment is designed for people with well-managed HIV or diabetes, we understand that you might be here at our website because of different reasons too.

If you're HIV negative or non-diabetic

  • you're HIV negative and have a partner, friend or relative who is HIV positive
  • you're non-diabetic and have a partner, friend or relative who is a diabetic,

whoever you are, we'd love to work with you too.

How can we help you?

We find that generally, people want to be responsible.

When given the opportunity and the tools they rise to any challenge and actively look for ways to help protect and provide for their loved ones.

Advice and help for Everyone

We can provide helpful advice and strategies about ways to protect and provide for your Modern Family - whoever that is to you - covering:

  Life & Terminal Illness protection

  Income Protection protection

  Medical Crisis Recovery protection

  Total & Permanent Disability (TPD) protection

Advice and help for Business People

Business owners and their families often have additional needs not usually catered for in their person insurances strategies.

We can help you fix that with helpful advice about:

  Specialty Business Key Person and Debt protection

  Specialty Business Fixed Expenses protection

  Specialty Business Owners and Professional Partnerships protection

  Specialty Business Owner and Partnership continuation and succession protection

The information you find on this website will give you a good understanding of insurances and related products and services available for people with pre-existing medical conditions.

Where to now?

  Learn more about how our process works. See How It Works.

  Have more questions? See Frequently Asked Questions.

  Ready to know if we can work with you? Take our Anonymous Pre-assessment.

Published in Services

Take Our Anonymous Online Pre‑assessment

Find out in 60 seconds if your personal situation is one we can work with.

Take Our Pre-assessment

Take Our Anonymous Pre-assessment

Whatever your situation, we can help you

  • Single

    Age is no indicator of relationship status or financial responsibility.

    • You can be young and starting out or older and established; and both enjoying living the single life.
    • You might be single, single again, sometimes single, single with kids, single with pets or perhaps something a little more complicated.

    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.

  • Partnered

    Sharing life and love with someone can be twice as exciting.

    • You might be partnered, partnered with pets, officially de facto, officially married (yay!), splitting expenses but sharing life, or joining incomes and combining financial lives too.
    • You might be together but living apart, working towards a future with kids, thinking about fostering, adopting, IVF or surrogacy; or perhaps something a little more complicated.

    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.

  • Parenting

    For today's LBGTI families, there are no accidental families.

    • You might be parenting and single with kids, parenting and partnered with kids, (yours, theirs and ours), dual parents with kids, co-parents, foster parents, adoptive parents, or even adoptive parents of kids with additional needs (just beautiful!).
    • You might be a lesbian co-parenting couple or super involved Guncles or Aunties. You might not even identify with the broader LGBTI community but find yourself a parent in a same-sex relationship; or perhaps something a little more complicated.

    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.