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 than their straight counterparts.
In 2019 over $33 million dollars in claims were paid out each day by the Australian Life Insurance industry.
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.
For years they wondered if it was ever going to be possible for them to start a family together?
They learned all about the Australian foster care system and adoption, and even looked at expensive overseas options too. After months of sleepless nights, endless conversations and an exhausting search for what felt like the best thing for them, together they settled on the idea of altruistic surrogacy in Australia.
Ultimately both Ricki and Devesh decided they wanted to have a child who was biologically their own.
The next few months seemed to be a blur of appointments with Fertility Counselors, IVF treatments and cycles, genetic tests, couples counselling and a mountain of legal paperwork.
When it came to Ricki & Devesh getting Life Insurances in place to protect themselves and their Surrogate, their Fertility Counsellor recommended a confidential chat with unsuaulrisks.com.au who specialise in complex insurance situations.
For Ricki and Devesh, deciding which of them would be the biological father was fairly simple. Of the two, Rickie is far more attached to the notion of his child being biologically related to him, while Devesh is just simply excited by the prospect of becoming a ‘Dad’, especially if the baby has a biological connection to his husband.
Now Ricki regularly sends Jane (what is often described as ‘an entire florist shop in a delivery van’) thank you flowers. They're all excitedly looking forward to the arrival of their new child - made possible through IVF and the incredible love and generosity of a new family friend who agreed to become their Surrogate.
Learn about our Surrogacy and IVF Life Insurances.
Have questions? See our Frequently Asked Questions specifically for surrogacy services.
Read about our range of Services. See Our Services.
Ready to know if we can work with you? Get in touch with us for a chat.
If there is anything we know, it's that life is not black and white - and not everyone is neatly defined by an Acronym LGBTI.
Getting on with life is even more complicated; so it's important to talk about what matters most and know where we stand.
So how does having a history of personal drug use affect your ability to create a safety net for yourself and your family?
Here's what you need to know ahead of time when you're needing to get your life insurances sorted.
Who hasn’t made a quick Search for the bio of an actor, the secret to a killer Bearnaise sauce or asked, ‘Is there a sequel to Game of Thrones?’
Search is also a growing part of our personal health management. People's tendencies for a late-night search session with Dr Google self-diagnosing potential medical conditions —by searching for symptoms —are known to trigger many an anxious night of misinformation and questionable comparisons.
The reality is many of our late-night search results usually add to our anxiety and uncertainty.
The new skill of knowing ‘when to consult a professional’ is becoming the new 21th Century survival skill to learn.
Yes, it makes perfect sense to think about life insurance today - especially today - because life still happens to us all, all the time, even during difficult times.
One of the dangers of living through difficult times (and the LGBTI Community is no stranger to surviving difficult times) is we can sometimes fixate on the biggest issue and ignore the most important issue - our life, love, and relationships continue regardless.
Our innate adaptability can lead many LGBTI couples to embrace wildly different financial goals, styles and circumstances in our partners.
What some people miss is that life insurance is really love insurance — by having sufficient life insurance, they're safeguarding the future of the ones they love.Drew Browne
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.