# Modern Family Insurances ![two fathers teaching their toddler son how to wash his hair](https://unusualrisks.com.au/images/site-pics/services/modern-family-insurance-services-of-unusual-risks-insured.jpg) ## We understand that today's modern families can be biological or logical They can also include: same-sex couples same-sex parents step-families one-parent families extended families blended families co-parented families gender neutral families families with carers people living apart together (TLAT), 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](https://unusualrisks.com.au/index.php?Itemid=829) is designed for people with well-managed [HIV ](https://unusualrisks.com.au/index.php?Itemid=821)or [diabetes](https://unusualrisks.com.au/index.php?Itemid=820), 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 - or if you're living with another complex health condition or caring for someone who is 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**](https://unusualrisks.com.au/index.php?Itemid=739) protection [**Income Protection**](https://unusualrisks.com.au/index.php?Itemid=740) protection [ **Medical Crisis Recovery**](https://unusualrisks.com.au/index.php?Itemid=752) protection [**Total & Permanent Disability**](https://unusualrisks.com.au/index.php?Itemid=751) (TPD) protection And a full set of personal insurance solutions for[ **Self Employed people**](https://unusualrisks.com.au/index.php?Itemid=756) and those with high privacy needs. ### Advice and help for those practical issues like [**Transferring & Managing Existing Life Insurance Policies** ](https://unusualrisks.com.au/index.php?Itemid=758)to consolidate and manage for you [**Updating & Managing Beneficiary Nominations**](https://unusualrisks.com.au/index.php?Itemid=749) for life insurance and super [**Establishing Life Insurances for Intended Parents and Surrogates**](https://unusualrisks.com.au/index.php?Itemid=757) [**Establishing Key Person Protection for Non-for-Profit** ](https://unusualrisks.com.au/index.php?Itemid=756)registered entitles ### Advice and help for business people **Business Owners **and their families often have additional needs not usually catered for in their personal insurance strategies. We can help you fix that with helpful advice about: Specialty Business[ **Key Person and Debt**](https://unusualrisks.com.au/index.php?option=com_content&view=article&id=219:business-owners-and-partners&catid=83:services&Itemid=756#Business-Key-Person-and-Debt) protection Specialty Business[ **Fixed Expenses**](https://unusualrisks.com.au/index.php?option=com_content&view=article&id=219:business-owners-and-partners&catid=83:services&Itemid=756#Business-Fixed-Expenses) protection Specialty Business [**Owners and Professional Partnerships**](https://unusualrisks.com.au/index.php?option=com_content&view=article&id=219:business-owners-and-partners&catid=83:services&Itemid=756#Business-Owner-and-Professional-Partnerships) protection Specialty Business [**Owner and Partnership continuation and succession**](https://unusualrisks.com.au/index.php?option=com_content&view=article&id=219:business-owners-and-partners&catid=83:services&Itemid=756#Business-Owner-and-Partner-Succession) protection The information you find on this website will give you a good understanding of insurance and related products and services available for people with pre-existing medical conditions. ##### **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) - When you're ready to know if we can work with you, take our [Anonymous Pre-assessment](https://unusualrisks.com.au/index.php?Itemid=829) - Send us an [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)