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How to buy life insurance if you’re LGBTQI+ An interesting question we're often asked is,'Who are the most uninsured people in the community?'The answer might surprise (and sadden) you. Young male P plate drivers? Young Tradies? Army Reserve personnel? Single mothers? No. The Australian LGBTQI+ Community is one of the most underinsured and underserved markets with financial services. This of course then leaves them and their families at greater vulnerability…
Who's your Super Beneficiary? Many LGBTQI+ Australians have Super account balances receiving at least 10% of their wages annually. As most super funds have Life Insurance attached to their members account in some way, this ever increasing pool of wealth is hard to ignore. So if you're an LGBTQI+ Australian with a Superannuation account, the next logical question is; 'Who's your Super Beneficiary?'
Managing diabetes can be a challenge: getting life insurance at the same time can feel overwhelming Diabetes is Australias fastest growing chronic health condition with 280 Australians developing this condition every day. (Thats one person every five minutes) People living with a pre-existing health condition like diabetes, statistically speaking have a higher risk of needing to make a claim on their personal insurance policy. Add to this constantly changing assessment…
Straight and living with HIV? It's becoming more common than you'd think The typical straight guy (or girl) next door who is just living with a chronic health condition called HIV, is increasing HIV is not a top of mind conversation starter for most straight guys and girls so many straight people believe HIV is not a health issue for the straight community; but they would be very mistaken. In…
What has sexuality got to do with a life insurance application? The simple answer is — Not much. The honest answer is — A lot more than you'd think Life Insurance companies traditionally haven't designed their products and services with LGBTIQ people in mind and tend not to consider the needs of diverse communities. Research shows when service providers assume their clients are heterosexual and use heterosexist language, this can…
Drew Browne (he/him)
Senior Adviser Unusualrisks
& Director Sapience Financial
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Latest Articles
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How to buy life insurance if you’re LGBTQI+
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Who's your Super Beneficiary?
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How to get life insurance if you have diabetes
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Straight and living with HIV?
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What has sexuality got to do with a life insurance application?
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Happy Sydney Mardi Gras 2021!
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Ricki and Devesh New Dads-to-Be through Surrogacy & IVF
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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.
Related Content
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How to buy life insurance if you’re LGBTQI+
How to buy life insurance if you’re LGBTQI+ An interesting question we're often asked is,'Who are the most uninsured people in the community?'The answer might surprise (and sadden) you. Young male P plate drivers? Young Tradies? Army Reserve personnel? SinRead More! -
Who's your Super Beneficiary?
Who's your Super Beneficiary? Many LGBTQI+ Australians have Super account balances receiving at least 10% of their wages annually. As most super funds have Life Insurance attached to their members account in some way, this ever increasing pool of wealth is hRead More!
