• Read the video transcript below.

Video Transcript:

Speaker: Drew Browne, Specialist Financial Adviser @unusualrisks

Transcript:   Hello. My name is Drew Browne from UnusualRisks.com.au and I'd like to explain to you our insurance application process that we use when working with a client, just like you.

We work with people Australia wide by email, over the phone screen to screen, and even old-school face-to-face in person.

We follow a careful seven-step information collection process so that we don't miss anything important to you and, so that you can always see the roadmap ahead, what to expect, and when. Now getting your personal insurances sorted is an important financial step, so you need to know what your options are and how to work with a specialist risk advisor who has a clear process to follow, that removes any uncomfortable surprises.

Most people are referred to us through their friends or their trusted service providers, or they find us online at unusualrisks.com.au

Now our website contains helpful animated explainer videos, over a hundred frequently asked questions and our anonymous pre-assessment questionnaires. Now while this is a great first step, we also recognise that some people just want to have a confidential chat with an expert, jump the queue and give us a call directly. Whatever works best for you, works for us.

So here's our insurance advice process that you'll see at work when we work with you.

Discussion.
It all starts with a discussion where we make sure that your circumstances are the ones that we can work with, with a high degree of expected success. Now, this is because the insurance underwriting standards change so frequently and everybody's personal situation is very different, too. It all starts with a confidential discussion.

Collecting information.
Now that can involve us collecting your medical reports, getting clear on the names of any medications you're taking, understanding the type of work that you might be doing and knowing your financial commitments. Like whether you have a dependent, whether you have a child or a partner, or maybe even an elderly parent, or perhaps a special needs sibling who relies upon you for support.

At the end of the day, we collect specific information about you and your circumstances to make sure that we don't miss anything that's really important.
And so that you get clarity of what's possible, and most important to you.

Agree on the facts of Advice.
Ultimately together, we need to agree on the facts about what you want, what you may need, and we'll put that in writing so that everyone is clear. Once we are in agreement about what your risk protection strategies should be, we'll commit our advice and our recommendations to writing.

Agreement to Implement Advice.
Then when you're ready to proceed, we'll ask for your original authority for us to implement that advice for you.

Completing Application Forms.
Now when you're ready to proceed, there's always paperwork to complete. An application form, the occasional extra questionnaire about a health issue or sporting pastime, but don't worry together we'll complete the application form as needed.

  • Now, these can be done privately with us over the phone.
  • They can be completed over the phone with an Underwriter, employed by an insurance company.
  • Or we can even send you a secure link to an electronic application form where you can complete your details in private at a time that's really convenient just to you.

Let us know whatever your choice is when you're ready, and we'll help you complete the application forms.

Waiting for Medical Underwriting.
So what happens then we'll collect any needed medical reports. We'll organise any required blood tests for cholesterol levels and together we'll then wait for the medical underwriting process to complete. Finally, when the insurance company has all the information they need to make their assessment, they’ll let us know, we'll check their processes and then they'll make a formal offer of insurance cover for you to review, and when you're ready to accept.

Accept the formal Offer of Cover.
Getting your personal insurances sorted, is an important financial step.
Life insurance is a complex area with no second chance to fix a mistake.

So that's why you should only work with an insurance specialist from unusualrisks.com.au

You can learn more about our information collection process here

Where to Now?
The next steps…

 

About Us

Unusual Risks Insured provides support to those people who big 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, as an LGBTQIA+ person (or someone who goes without labels entirely), you probably 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 change leadership and #AdviceEquality.

Why not make us part of your story, so if the unexpected happens 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.

#LoveTakesAction  #AdviceEquality  #PrideInAdvice

contact drew browne advisor sapience financial

Drew Browne, Senior Advisor

Contact Us

Working Online & serving Australia Wide
from George St Sydney, NSW, Australia.
[ Gadigal Land ] & [ Darug Country ]

Say Hello! unusualrisks.com.au

Phone: 1300 137 403
Send a Message here

Get Advice-on-Demand via
email | phone | video | face-to-face

Everyone is Welcome Here!
#AdviceEquality

 Progress Pride Flag

Logo of Unusual Risks Insured

Risk Insurance Providers

AIA

AMP

asteron

BT

clear view

comminsure

Integrity

macquarie

MetLife 1

MLC

neos

one path

TAL

zurich

Sorry, this website uses features that your browser doesn’t support. Upgrade to a newer version of Firefox, Chrome, Safari, or Edge and you’ll be all set.