Displaying items by tag: Surrogacy life insurance

When should I start the insurance application for my Surrogates insurance policy?

Everyone's personal situation is different so getting a life insurance policy in place can sometimes be unexpectedly complicated by delays collecting historical health information. 

As a result we always recommend applying for cover at least 6 months before the medical procedures for the pregnancy have begun, to allow for assessments and unexpected delays in collecting past medical histories etc.

Published in About IVF Surrogacy

Is having a Genetic Test a problem when applying for Life Insurances?

No.

Some people may have been put off from having a genetic test and missing a diagnosis and possible treatment for serious illnesses, such as cancer, because of concerns the results of the test may exclude them from obtaining insurance cover.
Life insurers are currently banned from requiring applicants for insurance to disclose the results of any genetic tests they may have and this ban will last until June 30th 2024 when it will be reviewed.

Published in About IVF Surrogacy

What is the insurance Duty of Disclosure?

Under the duty of disclosure, a person applying for insurance must disclose relevant information to the insurer before a contract is entered into.

A person applying for insurance must:

fully and completely answer all the questions on the proposal form
answer questions asking for detailed information precisely, and
include additional information if a ‘tick the box’ question does not offer an answer that applies to the person’s situation

Published in About IVF Surrogacy

Do intended parents need to have a face-to-face meeting with you?

No. Intended parents do not need to meet for a face to face meeting with us to get their life insurances sorted. Our modern business systems help us look after all our clients remotely over email, phone or video chat - whatever is best for them.

Published in About IVF Surrogacy

Does my surrogate need to have a face-to-face meeting with an adviser to get insurance in place?

No. Surrogates do not need to meet for a face to face meeting with us. We use modern business systems so we can work with our clients remotely over email, phone or video chat - whatever is best for them.

Published in About IVF Surrogacy

Is your surrogacy life insurance service confidential?

Yes.
Our highly confidential service is the reason why most people with complex health conditions and high privacy needs only use the experts behind Unusual Risks Insured.

 
Published in About IVF Surrogacy

Can I insure a surrogate who is living in Australia but who may not yet have their permanent residency status?

Yes, but cover may be limited to within Australia only until the permanent residency is achieved and the policy terms and conditions are updated to reflect this.

Published in About IVF Surrogacy

Can I insure my surrogate overseas with an Australian life insurance policy?

No.
You have to be an Australian resident to become a life insured.

Published in About IVF Surrogacy

What is the average cost for $1,000,000 Life & Disability insurance for a surrogate? (female non-smoker aged 25, 30 and 35.)

  • A life & disability insurance policy for a non-smoking female aged 25 might cost about $900.
  • A life & disability insurance for a non-smoking female aged 30 might cost about $880.
  • A life & disability insurance policy for a non-smoking female aged 35 might cost about $950
Published in About IVF Surrogacy

What is the average cost for $1,000,000 Life Insurance for a surrogate (female non-smoker aged 25, 30 and 35)?

  • A life insurance policy for a non-smoking female aged 25 might cost about $350.
  • A life insurance policy for a non-smoking female aged 30 might cost about $360.
  • A life insurance policy for a non-smoking female aged 35 might cost about $370
Published in About IVF Surrogacy
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