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Main Menu
- Services
- Start Here
- Modern Family Insurance
- Life Insurance
- Income Protection
- Crisis Recovery Protection
- Total & Permanent Disability Protection
- Insurances for People taking PrEP
- Insurances for Medical Professionals
- Insurances for Business Owners & Partners
- Insurances for Surrogates & Parents to Be
- Transfer & Manage My Existing Policy service
- Case Studies
- 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 and 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 and IVF
- How
- FAQs
- Why People Use Our Services
- Frequently Asked Questions
- Why LGBTIQ people use Unusual Risks Insured to get their personal insurance sorted
- Do I need to have a routine blood test if I apply for insurance and use PrEP?
- Can a keyperson to a business get specialty life insurance?
- How long does it take for you to get all the medical reports collected?
- How long does the online health pre-assessment take?
- Are you able to check if my current policy has HIV cover?
- FAQ Essentials
- Whats the main difference between TPD and 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 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
- What’s 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 rule?
- 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?
- 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?
- 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 you ask me 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 you ask me 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, 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 Surrogacy Insurance
- 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 our personal and surrogate life insurances sorted?
- How much life insurance is 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?
- About
- Blog
- 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 Gay 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
- 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
