• Read the video transcript below.

Video Transcript:

Speaker: Drew Browne, Specialist Financial Adviser @unusualrisks

Transcript: There are four possible outcomes for any life insurance policy.

Number one - it can be accepted at Standard Rates - now this means that the price that was quoted in the premium is the price you'll pay, the standard price.

The second outcome is where premiums are Loaded with a medical rating that might be because of a medical situation or an occupational situation where the risks have to be managed.

The third outcome is that a policy can be Delayed from finishing because we haven't yet received the medical reports or the assessments that we require to be completed.

And of course, a policy can also be Declined. A Decline can be because a medical situation is beyond what's possible to manage or an occupational category is beyond what's covered by that insurer.

Either way, that's why you use a professional insurance advisor to help you navigate successfully through these four possible outcomes for your policy.

What is the chance of needing to claim on a life insurance policy?

card What is the chance of needing to claim on a life insurance policy unusual risks insured

Where to Now?
The next steps…

 

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Unusualrisks.com.au provides support to those people who insurance companies leave behind. We believe in giving every person the power to use life insurance products to protect & provide for their loved ones, their businesses and their legacy — free from barriers of stigma and discrimination.

We know that, as an LGBTQIA+ person (or someone who goes without labels entirely), you have specific financial advice, life insurance and privacy needs.

We're committed to serving the LGBTQIA+ community and its Allies. For us, it's about #AdviceEquality.

Make us part of your story so should the unexpected happen to you or whoever is family to you, you'll have a backup plan in place to help you financially recover and life can still get better for somebody you love.

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