Meet John and David - first home owners with their Life Insurance sorted (even with an HIV diagnosis).

Meet John and David – they’re about to sign the contracts on their new home, and it’s an exciting and stretching time, regardless of the interest rate

Published in Case Studies

My partner is HIV negative. What is the process for them getting standard insurance cover through you?

No worries. We believe in looking after those who look after you.

For friends, family and supporters who need standard life insurance cover, the process is the same, just no need for a pre-assessment. In today's modern families we believe nobody should miss out.

Published in HIV
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
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
Sunday, 12 June 2016 10:20

Our Belief

We believe in our clients

We believe that equal access to life insurance is a human right. We believe in the importance of giving people diagnosed with HIV or diabetes a fair go so we built a specialty pre-assessment service for them, their friends and supporters 

We celebrate diversity and serve both the straight and LGBTI communities without regard for sexuality, gender, race or religion.

We believe people diagnosed with HIV matter

We are working hard to help bridge the gap in service, advice and professional resources the positive community has suffered. We feel the pain of our serodiscordant clients when one member is able to protect and provide for their partner with standard life Insurance, whilst the other, up until now, have often felt disempowered by not having equal access to the same resources.

We believe seroconcordant couples matter equally

We understand that our seroconcordant clients have often felt further marginalised by the prospect of discussing such important health issues with an unknown financial adviser while trying to navigate the complex and confusing life insurance system.

This is further compounded by wondering if the adviser would be able to assist at claims time in circumstances perhaps foreign to typical the adviser. These types of obstacles have meant that many of these important discussions have often been avoided along with establishing a life insurance policy.

We believe people diagnosed with diabetes matter

If you're living with diabetes or caring for someone who lives with diabetes, you are not alone. Diabetes is unlike other diseases, like cholesterol and hypertension, where often medication alone can successfully treat it. Diabetes requires a considerable change to daily life.

Learning to control this condition and monitor its fluctuations enables may people diagnosed with diabetes to live long and productive lives.

They all have plans, dreams, families and responsibilities like the rest of us

They also are at an increased risk of heart disease and stroke due to raised blood glucose levels. If they suffer a sickness or injury, their ability to bounce back to good health can be quickly compromised due to medical complications outside their day to day control.

This means their insuring their lives and their ability to 'continue to earn an income', is a strong financial decision that can become part of the lifestyle strategy to manage their condition and its effects on their family and financial stability.

  • For the single person diagnosed with diabetes, insuring your income-earning ability is even more critical so that you can own the peace of mind that an insurance safety net can bring if, because of an accident, life doesn't happen like it was supposed to.

We believe that all Australians deserve a fair go

UnUnusal Risks Insured seeks to ensure positive people and their families have access to the very best professional insurance advice available, have access to advisors who understand the key challenges that positive people face, and advisers who are able to compassionately and skillfully care for their clients and families at claim time.

We believe that everyone has the responsibility to plan for their future, to protect and provide for their loved ones and to have the opportunity to feel safe and empowered; so they can live a truly unusual life.

You can read our Blog here

Published in About