Sunday, 07 August 2016 09:08

Your online journey map

It all starts here

Step1 learn online unusualrisks com austep2 Start an email conversation unusualrisks com austep3 Discover whats possible unusualrisks com austep4 Decide what to do unusualrisks com au

Learning that you're now eligible for a range of high-quality life insurances, even though you may have a serious pre-existing medical condition, can be a big step for most people.

We understand that it’s probably not something you get to talk about often so you're probably hungry for up-to-date information. Well thankfully you found us – unUsualruisks.com.au

Over time, our clients have repeatedly told us this is the best way to start your journey with us.

  • Learn as much as you can about the type of life insurance solution that's available for your circumstances.
  • Choose what type of safety net you want in place and know what's possible.
  • Let us help you map out the timeline and put all the pieces in place to get you the peace of mind you need.

The Next Steps

And if you can't find what you're looking for, our sitemap can give you the bigger picture about what we do, who we care for and what's possible for our clients.

We hope you'll enjoy your time here with us.

When you're ready ...

  Ready to know if we can work with you? Take our Anonymous Pre-assessment.

live the unusual logo unusualrisks com au

 

Published in How
Monday, 04 July 2016 07:02

Tina and Garry - parents and positive

Meet Tina and Garry - proud new parents of a baby boy

A miracle you might say - because Tina and Garry are officially a serodiscordant couple. (In simple terms, it means one of them is HIV positive).

Deciding to have a baby is a big decision for anyone, but for a couple living with HIV the decision is more complicated. Tina and Garry today join the growing numbers of seroconcordant couples in Australia who have successfully given birth to healthy babies.

Mother to child transmission of HIV is rare in Australia and usually only occurs when the woman doesn't find out she's HIV-positive in time to take precautions to prevent it.

New advances in treatments

Thanks to the medical treatments now available, HIV positive people have a better quality of life, and that’s why it’s common for many couples in this position to consider the possibility of starting a family.

New advances in life insurance

And thanks to the specialty life insurance advisers at unusualrisks.com.au HIV positive people and diabetics can now also qualify for high-quality life insurance too. This was something that for many years was simply impossible.

Getting ready for getting pregnant

Tina and Garry wanted to become pregnant and decided they would learn everything they could before they become pregnant.  As part of their plan, they discussed their dream with their GP who also referred them to a HIV specialist. Tina had questions about whether the antiretroviral meds would have an impact on her fertility and found that for a healthy person with an undetectable viral load gives them the best chance of success.

After many long conversations, they eventually decided to use some reproductive assistance to help them navigate through the process to reduce the risks involved. After a couple of false starts, the good news arrived: they were pregnant.

Ask any new parent (or parent to be) what’s high on their list of priorities and they’ll mention protecting and providing for their partner and their new family.  That’s where the peace of mind or having your own life insurance policy in place comes in – just in case – because we all have someone special to protect and provide for.

Tina’s tips for other serodiscordant couples starting a family

"Sometimes you feel overwhelmed with advice but these are the 4 key things for our family".

  • Get as healthy as you can and get happy.
  • Speak with your GP and HIV specialist before you get pregnant.
  • Where possible plan ahead and get your life insurance sorted before you get pregnant (it’s just easier that way and whatever you can do to feel better and safer is a good thing.)
  • Learning about how to look after yourself and keep the baby safe are more complicated for a woman living with HIV. This adds to stress during the pregnancy and afterward so try and build yourself a support network for you, your partner and the baby.

“If you’re already pregnant – Congratulations!  Get your life insurance sorted. If you don’t do it today it can get lost under a pile of other things you have to do and slip your mind.  For us, it was more about feeling and being responsible and the habits of good parents I suppose” – Tina and Garry

Where to now?

  Learn more about how our process works. See How It Works.

  Have more questions? See Frequently Asked Questions.

  Ready to know if we can work with you? Take our Anonymous Pre-assessment.

Published in Case Studies

Meet Lisa. She's a procurement manager for a busy national corporate and there's nothing she can't find when she puts her mind to it

But when it came to life insurance for somebody with diabetes, that proved a bigger challenge.

Last year while on holidays, Lisa's partner Sandra had to go to the hospital after a problem with her diabetes medication.

Published in Case Studies
Sunday, 26 June 2016 04:52

Jennifer and Amber - diabetes and HIV

Meet Jennifer and Amber - partners for life.

Jennifer has spent the last 8 years climbing the corporate ladder in a busy city law firm and made senior associate last Christmas.

Her obsessive attention to detail means she's particularly good at what she does but the possibility of having to work through the fine print details of a life insurance policy is not something she's looking forward to.

Jennifer enjoys learning about products and services in her own time, doing her own comparisons and research and then preparing her list of hard-hitting questions, before talking to anyone about them.

Published in Case Studies
Friday, 24 June 2016 02:51

Terry, young family & tattoos

Meet Terry - a skilled fly-in fly-out mining professional who looked for unusualrisks.com.au

How cheap tattoos can change your life

'My name is Terry and I'm 37 and I married my childhood sweetheart. A few years ago we decided as a family that the only way we could get ahead and save a big deposit for a house, was for me to go work in the remote mines of Western Australia or Northern Queensland. The plan was to work hard for 5 or 6 years and use my high income to save a healthy deposit'.

Published in Case Studies
Wednesday, 22 June 2016 10:50

Ethan, single sensible and dating

Meet Ethan - a sensible and available guy

"Why I took out life insurance at age 24"

Everyone’s personal situation is different.

I’ve been out of university for just over a year now and have a list of ‘first’ experiences: my first real job; my first apartment (ok I share that with mates); my first official tax return and my first life insurance policy.

I’m now officially a 24-year-old single guy with no financial dependents (other than my dog) and a life insurance policy owner. WooHoo!

Published in Case Studies
Friday, 24 June 2016 02:49

George, experienced logistics manager

Meet George - logistics co-ordination ninja

He spends most of his work day chasing boxes, deadlines and freight companies.

His partner is the love of his life (and drives him crazy at times). George has a stepdaughter who he adores and a well-earned reputation as a bit of Weekend DIY Tragic, relentlessly renovating his townhouse.

George’s shift-work is often unpredictable, so living closer to work and cafes makes his life easier.

Published in Case Studies

Meet Naomi - nurse, single and super mum

Blood borne virus exposure insurance for nurses and doctors

Naomi is an experienced accident and emergency nurse with more than 5 years experience working in the surgical wards and in and around potentially dangerous medical workspaces.

She is used to managing chaos and moody teenagers; she has two of her own she's hoping to put into private school next year for their senior years before they hopefully go to university.

Published in Case Studies
Tuesday, 28 June 2016 16:46

Dave, life of the party

Meet Dave - life of the party

He's a big fan of the party life and 'works hard so he can play hard'. If you ever got into a serious conversation with him, he's an open-minded no-labels kind of guy.

His work ute looks as good as he does and he's in high demand on Saturday night - and always swipes right - if you know what we mean.

Published in Case Studies
Thursday, 30 June 2016 18:44

Donna and Jade, small business owners

Meet Donna and Jade - caterers to the stars!

Donna and Jade run a busy catering business with 2 full-time staff and a half dozen casual contractors. Donna is the company advertising and paperwork wiz and Jade transforms food into art you can eat. They're both company directors and each own 50% of the company's shares.

Published in Case Studies
Page 1 of 2