Unusualrisks.com.au
Helping people with well managed HIV get their life insurance sorted
We've helped establish over $37,000,000
of life insurances for Australians living with HIV
and other hard to insure health conditions.
We help protect over $3,000,000 of annual incomes, bringing equality to personal insurance
with every new client.
Take Our Anonymous Online Pre‑assessment
Find out in 60 seconds if your personal situation is one we can work with.
Wherever you are on your life journey
When it comes to the LGBTI community, there's really no such thing as average; there's just way too much diversity among us for that.
That said, we've found three different life stages are shared by many.
If you're Single, Partnered or Parenting, we can help you better understand your options and help you make some fabulous decisions.
Whatever your situation, we can help you
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Read more...Single
Age is no indicator of relationship status or financial responsibility.
- You can be young and starting out or older and established; and both enjoying living the single life.
- You might be single, single again, sometimes single, single with kids, single with pets or perhaps something a little more complicated.
When it comes to being single in the LGBTI community, there's really no such thing as average.
And it's your single life, so live it your way.
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Read more...Partnered
Sharing life and love with someone can be twice as exciting.
- You might be partnered, partnered with pets, officially de facto, officially married (yay!), splitting expenses but sharing life, or joining incomes and combining financial lives too.
- You might be together but living apart, working towards a future with kids, thinking about fostering, adopting, IVF or surrogacy; or perhaps something a little more complicated.
When it comes to being partnered in the LGBTI community, there's really no such thing as average.
There's no right or wrong way to live a purposeful life, just what works for you both.
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Read more...Parenting
For today's LBGTI families, there are no accidental families.
- You might be parenting and single with kids, parenting and partnered with kids, (yours, theirs and ours), dual parents with kids, co-parents, foster parents, adoptive parents, or even adoptive parents of kids with additional needs (just beautiful!).
- You might be a lesbian co-parenting couple or super involved Guncles or Aunties. You might not even identify with the broader LGBTI community but find yourself a parent in a same-sex relationship; or perhaps something a little more complicated.
When it comes to parenting in the LGBTI community, there's really no such thing as average.
However you're doing it, Love makes a family.
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Flatmates, Friends or De-factos and how to tell them apart
Flatmates, friends or de facto partners - and how to tell them apart
When it comes to romance and relationships, the emotional decision about who you think is your partner, may be very different to the legal decision about who is legally considered your de facto partner.
The questions about who may be a boyfriend or girlfriend or partner and who is a de facto become important distinctions when it comes to Superannuation payouts, Life Insurance nominations and Family Law claims on your finances, investments and property interests.
As Marriage Equality became law in Australia on 9th December 2017, *yeah*, who is a married partner is now straightforward. Who is a de facto partner, is not always so straightforward especially for many in the LGBTIQ Community.
Read more
Feeling like your life and business have been Kidnapped by the Covid-19 Virus?
If you're feeling like your life and business have been Kidnapped by the COVID-19 Virus, argh!
We can relate.
It's a difficult time affecting us all.
The opened-ended nature of this worldwide health crisis fuels a sense of uncertainty. And this won't be the last crisis our world sees.
- This changing environment can kidnap our thinking with the seemingly urgent and distract us from the still important.
- And our hearts go out to the people who are not in very fortunate situations.
As we all find our way through this time, we don't want platitudes and denial but on the same token, we need to find ways we can keep calm and focus on what we can control - and look for something solid.
Read more
