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- Modern Family Insurances
- Life Insurance
- Income Protection
- Total & Permanent Disability Protection
- Crisis Recovery Protection
- Accident Only Insurances
- Insurances for People taking PrEP
- Insurances for Medical Professionals
- Insurances for Business Owners & Partners
- Insurances for Intended Parents & IVF Surrogates
- Transfer & Manage My Existing Policy Service
- Update My Life & Super Beneficiary Nomination Service
- Modern Estate Planning
- Case Studies
- Chris and Mirko growing their family through Co-parenting
- Ramesh, positive, energetic and living with a kidney transplant
- Ricki and Devesh New Dads-to-Be through Surrogacy & IVF
- John and David - living with HIV and owners of full life insurance
- Tina and Garry - parents and positive
- Lisa, corporate warrior and home provider
- Jennifer and Amber - Diabetes and HIV
- Terry, young family & tattoos
- Ethan, single sensible and dating
- George, experienced logistics manager
- Naomi, nursing, needlestick and sharps injuries
- Dave, life of the party
- Donna and Jade, small business owners
- Leanne and Jenni, corporate success x2
- Ethan, single sensible and dating
- John & David home buyers
- Tina & Garry IVF parents
- Lisa's partner & diabetes
- Dave, life of the party
- Terry, family & tattoos
- Jennifer & Amber, diabetes & HIV
- Naomi, nursing, needlestick and sharps injuries
- George, experienced logistics manager
- Donna & Jade, small business owners
- Leanne & Jenni, corporate success x2
- Ricki & Devesh New Dads-to-Be through Surrogacy & IVF
- Ramesh, positive, energetic & living with a kidney transplant
- Chris and Mirko growing their family through Co Parenting
- How
- About
- FAQs
- Most Common
- How does a persons weight effect a life insurance application?
- What are the main reasons people claim on their Crisis Trauma Insurance?
- What are the main reasons people claim on their Income Protection Insurance?
- What are the main reasons people claim on their Life Insurance?
- Do I need to have a routine blood test if I apply for insurance and use PrEP?
- What's the main difference between TPD and Crisis Trauma insurance?
- Can I complete my life insurance application without a face to face conversation?
- What is the phone number for unusualrisks.com.au ?
- Who is the company behind unusualrisks.com.au ?
- Can a keyperson to a business get specialty life insurance?
- Can I transfer my existing life insurance policy to you to manage ongoing for me?
- What's the problem with a formal decline on a life insurance application?
- Why does unusualrisks.com.au use pre-assessments?
- What type of life insurance policies don’t complete underwriting upfront?
- What does it mean when a policy is fully underwritten upfront?
- What is an Underwriter and why should I care?
- What affects the price of an insurance policy premium?
- Why do people buy telemarketed insurance policies?
- Is Telemarketer direct insurance good for pre-existing medical conditions?
- What is the risk with Telemarketer sold Life Insurance?
- Is a life insurance application re-assessed each year like car insurance?
- Why should I care about the difference between general and personal insurance?
- What's the difference between Personal Insurance and General Insurance?
- What's the difference between Life Insurance and Life Insurance products?
- How can I pay my personal insurance premiums?
- When might I need personal insurance cover?
- Do life insurance companies discriminate?
- Why is Life Insurance so important?
- What types of information do you request from my Doctor or Hospital Clinic?
- How do I prepare for an insurance application with unusualrisks.com.au?
- Who will be my adviser if I choose to be with unusualrisks.com.au?
- How do I get in contact with unusualrisks.com.au?
- Can I get full Financial Advice from unusualrisks.com.au
- Whats the process of getting insured? Do I jump straight to an insurance application?
- Do I have to answer questions in front of my partner if I don't want to?
- Do I have to use a Tele Underwriter if I’m comfortable answering my personal health questions with my Adviser?
- What is Tele-Underwriting?
- Can I complete my personal health questions for my application privately online?
- What is the legal Duty of Disclosure?
- What is the possible outcome of an application for insurance?
- Is there a waiting period before life insurance becomes effective?
- What does the phrase 'subject to underwriting' mean on an insurance quotation?
- Do I have to pay a full years premium at a time?
- What does it cost to apply for life insurance?
- Do I have to fill in the insurance application paperwork myself?
- What does a Life insurance application look like?
- How long does a formal Life Insurance application take?
- Will I need a blood test as part of the insurance application process?
- How long does it take for you to get all the medical reports collected?
- How long does the online health pre-assessment take?
- I want to work with unusualrisks.com.au What’s the next step?
- Can you work with my solicitor to have a Life insurance policy referenced in a Will?
- What happens if I or my Estate ever needs to make a claim?
- If I don’t want to get hard copies of mail from you is that possible?
- Do I have to come to your office to make an insurance application?
- I am in business with other people and we need to protect ourselves from the usual business debts. Can you work with my business colleagues and keep my private health details private as well?
- Are you able to check if my current policy has HIV cover?
- Should I have a medical before I make an application for life insurance?
- FAQ About HIV
- My partner is not a HIV positive, can you help them at the same time as you help me?
- Can I take out income protection insurance if I have been diagnosed with HIV?
- During an insurance application, will I be asked if I'm Bisexual?
- Can I take out a TPD policy if I have been diagnosed with HIV?
- Can I take out disability income protection insurance if I have been diagnosed with HIV?
- Can I get TPD insurance if I am HIV positive?
- I’m not Out so is that an issue?
- Do people have to know I have received Life Insurance pre-assessment services from unusualrisk.com.au?
- 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?
- My partner is HIV negative. What is the process for them getting standard insurance cover through you?
- Can I take out full sickness and accident income insurance if I have been diagnosed with HIV?
- Can I take out a critical Illness insurance if I have been diagnosed with HIV?
- Can I take out Life Insurance if I have been diagnosed with HIV and I have some unrelated medical issues?
- What if I already have a life insurance policy taken out before I tested positive to HIV?
- What about possible embarrassing or invasive questions during an application?
- Will they ask me about recreational drugs use?
- Will they ask about monogamist relationships and unprotected sex?
- Will they ask me if I'm HIV positive?
- During a life insurance application, will I be asked if I'm Gay?
- What changed so people with HIV can now get life insurance in Australia?
- Can an Australian expat living overseas with HIV get life insurance with you?
- Can someone living with HIV in Australia get life insurance?
- Life insurance and HIV - how is that now possible?
- What if I was diagnosed positive after I already had my life insurance in place?
- FAQ About PrEP
- I have tried to get insurance through my Super fund but they declined me cover citing 'lifestyle considerations'. Is this normal?
- I have applied for income protection and life insurance already but have been formally declined cover because of using PrEP can you help me?
- What happens if I have a recent STI history and apply for insurance?
- What questions will you ask about my PrEP medication use during an income protection insurance application?
- What questions will you ask about my PrEP medication use during a life insurance application?
- Does it matter if I am on a formal PrEP drug trial when I apply for life insurance?
- Do all insurance companies treat people using PrEP medication the same way?
- FAQ About Diabetes
- Can you help me apply for life insurance if I have an HIV and diabetes diagnosis?
- My partner is not a diabetic and needs insurance too - can you help them at the same time as you help me?
- Can I get Income Protection insurance if I have been diagnosed with diabetes?
- Can I get Critical Illness insurance if I have been diagnosed with Diabetes?
- I've previously had a diabetic coma, can I still qualify for life insurance?
- Can I qualify for Life Insurance as a diabetic?
- What is required for an insurance application if I have diabetes?
- Can you help me apply for Life Insurance if I have a diabetes diagnosis?
- FAQ About Mental Health
- I have a 10 Session Counselling Plan from my GP. Does this automatically stop me getting life insurance?
- What additional medical information is needed when making an application for life insurance when I’m currently living with depression?
- Is reactive grief treated the same as long term depression?
- How does a mental health condition affect the cost of a life insurance policy?
- Are all mental health conditions treated the same by a Life Insurance company?
- Can a person with a previous mental health condition qualify for life insurance?
- Does a Mental Health Care Plan (MHCP) mean I could never be eligible for personal insurance cover?
- I have a current Mental Health Care Plan (MHCP) so can I still apply for insurance cover?
- Is there a difference between how current and historical mental health issues are assessed by a life insurance company?
- Can a person living with a mental health condition still get life insurance?
- FAQ About IVF Surrogacy Insurance
- Does all existing Income Protection Insurance automatically cover IVF complications?
- When should I start the insurance application for my surrogate?
- Is having a Genetic Test a problem when applying for Life Insurances?
- What is the insurance Duty of Disclosure?
- Do intended parents need to have a face-to-face meeting with you?
- Does my surrogate need to have a face-to-face meeting with an adviser to get insurance in place?
- Is your surrogacy life insurance service confidential?
- Can I insure a surrogate who is living in Australia but who may not yet have their permanent residency status?
- Can I insure my surrogate overseas with an Australian life insurance policy?
- What is the average cost for $1,000,000 Life & Disability insurance for a surrogate?
- What is the average cost for $1,000,000 Life Insurance for a surrogate
- Why use Unusual Risks Insured to get your personal and surrogate life insurances sorted?
- How much life insurance is actually enough?
- Is there a relationship with a financial adviser included with a policy managed by unusual risks insured to help with questions, changes and future possible claims?
- Can our surrogate’s life insurance premiums be paid from an intended parents own super fund?
- As intended parents, what's the best way to pay our own personal life insurances premiums?
- What's the best way to pay our surrogates life insurance premiums?
- Should Intended Parents have Crisis Recovery insurance?
- Should Intended Parents have Income Protection insurance?
- Should Intended Parents have life insurance?
- Can a surrogate take over the payments of her insurance policy and keep the policy in force herself after the child is born?
- Can you insure the health of an unborn child?
- Can a surrogate nominate a beneficiary when their life insurance policy is paid by a different person?
- Who should legally own the policy on the life of a surrogate?
- Can my surrogate’s life insurance include disability (TPD) insurance cover as well?
- Can I pay the premiums for life insurance on behalf of a surrogate?
- What’s the chance an intended parent or surrogate might need to claim on a personal insurance policy in Australia?
- What types of insurances are covered by the umbrella term ‘life insurances’ in Australia?
- Should I consider insuring myself and my surrogate with a personal insurance policy?
- Can I insure myself if I'm currently travelling overseas but am a resident of Australia?
- Can I insure my surrogate living in Australia?
- Most Common
- Resources
- 7 Financial Decisions Same-sex Newlyweds Need to Make eGuide (male cover)
- 7 Financial Decisions Same-sex Newlyweds Need to Make eGuide (female cover)
- 31 Good Money Habits to Model for your Kids eGuide
- When to Arrange Intended Parent & IVF Surrogate Life Insurances chart
- 31 Australian Families Lose a Parent Every Day eGuide
- 7 Myths About Modern Estate Planning
- Videos
- What's the application process to set up life insurances
- Modern Estate Planning
- How much life insurance is enough? It depends upon how much living you have to do
- Naomi - Medical Professional and Needlestick Injuries
- Dave the party guy gets his Income Protection sorted without embarrassment
- Lisa, corporate warrior & home provider
- John & David buy their first home together
- What are the possible outcomes for a life insurance application?
- What is the chance of needing to claim on a life insurance policy?
- When should people use a life insurance policy?
- Blog
- The problem of Becoming Uninsurable - it happens before you know it
- Happy Sydney Mardi Gras 2022!
- Why Single parents need Life Insurance too
- When to arrange Intended Parent and Surrogate Life Insurances
- How much life insurance cover do I need?
- Why you should buy life insurance for your Co Parent or Ex Partner
- COVID-19 and Life Insurances FAQs
- How to buy life insurance if youre LGBTQI+
- Who's your Super Beneficiary?
- A note to our competitors (about why we do what we do)
- How to get life insurance if you have diabetes
- Happy Sydney Mardi Gras 2021!
- Straight and living with HIV?
- What has sexuality got to do with a life insurance application?
- Celebrating Intersex Day of Remembrance
- Can you still get life insurance with a history of recreational drug use?
- Can you still get life insurance with a mental illness?
- Be careful what you Google when looking for advice on life insurance
- Flatmates, Friends or De-factos and how to tell them apart
- Feeling like your life and business have been Kidnapped by the Covid-19 Virus?
- Who can make emergency medical decisions for you?
- Does it still make sense to think about Life Insurances today?
- Standing with you through COVID-19
- Coronavirus, Life Insurance, Income Protection and managing personal risks
- Women living with HIV in Australia
- Happy Sydney Mardi Gras 2020!
- Valentine's Day and Love Insurance
- 7 Financial Decisions for Same-sex Newlyweds
- Six Power Money Decisions for Same-sex Couples
- People taking PrEP can now get full Life Insurances in Australia
- Can a person with diabetes get life insurance?
- Financial Advice for Same-sex Couples
- Unusual Risks receives Westpac Businesses of Tomorrow Award
- Happy Mardi Gras 2019!
- Four unintended consequences of when AIDS first came to Australian TV
- World Aids Day 2016
- Professional people need their own life insurance adviser and here's why
- The real heros of our brand
- Newly diagnosed HIV positive? Breathe - life gets better
- Open for business
- HIV stigma - an insidious barrier to getting life insurance
- The Story of Patricia - Podcast
- Don't ignore a medical sharps injury
- Undetectable viral load (or close to it)
- Thank you for voting us Finalists in the Honour Awards
- 2016 International Candlelight Memorial Day
- Bigger conversations
- Contact
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Case Studies
- Jennifer & Amber - diabetes and HIV
- Terry - young family & tattoos
- Ethan - single sensible and dating
- Lisa - corporate warrior
- George - logistics manager
- Naomi - nursing, needlestick and sharps injuries
- Dave - life of the party
- Donna & Jade - small business owners
- Leanne & Jane - corporate success
- Tina & Garry - parents and positive
- John & David - HIV positive with life insurance
- Ricki & Devesh New Dads to be through Surrogacy and IVF
- Ramesh, positive, energetic and living with a kidney transplant
- Chris and Mirko growing their family through Co Parenting
Prepared for Life
Search tags
- Providing a legacy
- Protecting small business owners
- Protecting SMSF liquidity
- Protecting special needs family members
- Protecting blending families
- Protecting ageing parents
- Providing for partners
- Needle-stick and Sharps injuries
- Explainer videos
- FAQs Understanding life insurance
- FAQs HIV and life insurance
- FAQs Diabetes and life insurance
- FAQs Life insurance basics
- how much is enough
- protecting your family from debt
- protecting somewhere to live
- Surrogacy life insurance
- Podcast
