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