But most insurance companies still treat you like it is.
People with pre-existing well‑managed health conditions have, up till now, been prevented from accessing quality Life Insurance and Life Insurance products like Income Protection, simply because of their conditions.
We believe everyone deserves a fair go and equal access to financial adviceDrew Browne Founder Unusual Risks Insured
You'll be pleased to know that now there's an Australian company that can offer life insurance services to those who really need it - and you found us.
Life insurances is a name that covers a range of personal insurances designed to protect people from the known statistical risks of life.
For business owners and key people in business, we have additional personal insurances designed to protect businesses from the known statistical risks of business life too.
We believe that every Australian should have equal access to high-quality Life Insurance products, no matter what their sexuality, gender, race, age or beliefs. We believe this is not just about getting Life Insurance, this is a human rights issue.
Life Insurance can help you be certain your loved ones are provided for, children's educational needs are taken care of, and that your family of choice won't have to worry about their future if you’re not there to continue to protect and provide for them.
Often, when a couple set up life insurance to protect each other, one person has their application accepted, but the other is refused because of a pre-existing health condition. Both are left feeling that a wedge has been driven between them and that their needs and choices were not understood, honoured or valued. At unUsualrisks.com.au our mission is to change this.
An insurance payout can help your loved ones:
Life insurance will normally payout upon the death of the life insured or diagnoses of a terminal, illness in the last 24 months.
Many people don't know that high-quality life insurance also pays out upon the diagnosis of a terminal illness in the remaining 24 months, making it a strong part of a backup plan.
Most people don't know 30% of life insurance claims are made for terminal illness
An insurance payout can help you:
So if you're living with HIV, managing diabetes or protecting yourself from these types of conditions (like using PrEP), we can help you with complete privacy, discretion and great advice.
Enjoy your time here on our site, and feel free to get in touch and say G'day.
And if you have sensitive questions or just prefer to chat with a person first, strike up an email conversation here or give us a call direct and ask to speak with Drew.
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.
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.
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.