Unusualrisks.com.au
Helping people with well managed HIV and other complex health conditions get their life insurances sorted
We're the experts in helping Australian's
living with complex health conditions or
hard to insure occupations,
intended parents & surrogates,
get their life insurances sorted.
We've helped establish over $45,000,000
of life insurances for Australians living with HIV, Diabetes, and other hard to insure health conditions.
We help protect over $5,000,000 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 LGBTQI+ 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 LGBTQI+ 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 LGBTQI+ families, there are no accidental families.
- You might be parenting and single with kids, parenting solo 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 LGBTQI+ 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 LGBTQI+ community, there's really no such thing as average.
However you're doing it, Love makes a family.
Whoever you Love, however you Identify & regardless of any Gender you might be comfortable with,
You're Welcome Here
We Can Help You With
Speciality Insurance Strategy & Advice
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Do I need life insurance if I'm Single and LGBTQI+?
The answer is probably Yes, and here's why
Many LGBTQI+ singles are taking control of their own lives and getting their Life Insurance sorted sooner than many of their straight allies, who traditionally risk leaving such important decisions until they’re married with children.
And that’s because LGBTQI+ folk often face more unique challenges than our straight friends.
Many LGBTQI people understand the importance of having their own Income Protection insurance in place, because it helps protect their ability to continue to earn an income, to live, to love (and to party).
But many LGBTQI people have additional Life Insurance needs and challenges.
Read more
The problem of Becoming Uninsurable - it happens before you know it
The problem of Becoming Uninsurable - it happens before you know it
Life Insurances are important financial tools that help us manage the ups and downs of life, love and business.
It's an easy way to safeguard our unpredictable futures, just in case.
Delaying decisions and continually 'waiting for a convenient time' to get these important parts of life in place - is a risk as we all over time can become uninsurable for a variety of reasons.
But some health conditions can be unexpected, unpredictable and then uninsurable - and that can create a significant equally unexpected problem for many people.
Read more
