I am part of a seroconcordant 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 are a full financial services 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 18 years, Sapience clients have received in excess of $10,000,000 in insurance claim payments and you're welcomed into our family, regardless of gender, sexuality or diagnosis.
My partner is HIV negative. 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.
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 form questioning 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 unusual Risks, we know those providers to avoid and those to use.
No. The privacy laws are very strict and you have to give your consent before being asked any sensitive questions.
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.
whoever you are, we'd love to work with you too.
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.
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
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.