unusualrisks.com.au | Insurance broker

unusualrisks.com.au

Phone: +61 1300 137 403

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25.01.2022 Are you parenting and part of the LGBTI Community? You might be parenting and single with kids, parenting and partnered with kids, (your's, 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. When you're ready to get your family's backup plan sorted, let us help you with that.

24.01.2022 Did you know Australians with well managed HIV or Diabetes can now get Full Income Protection insurance? Yes you read it right, full sickness and injury Income Protection cover is now available for our clients - it pays to have a professional in your corner. Learn some more here and get in touch if you'd like to know more.

23.01.2022 If you think it's just about life insurance, you've missed the point. It's about taking HIV out of your identity. - At Unusualrisks.com.au we get that. Today we can help positive people get their Life insurance, Trauma, TPD and full Income Protection sorted - stigma and discrimination free. #Pozhet's #PLWHIV #positiveliving

22.01.2022 If you're using Treatments as Prevention (TasP) like PrEP, we can help you get all your life insurances and income protection sorted - stigma and attitude free - no worries. Talk with a specialist financial adviser who understands what it's like to take responsibility and give us a call or send us an email.

20.01.2022 An important change to Income Protection is about to be made by the government regulator APRA and a 45 day window of opportunity exists for clients who need income protection but aren't sure if they could qualify. Please get in touch with us today if you need to know more.

19.01.2022 Transgender Day of Remembrance (TDoR), also known as the International Transgender Day of Remembrance, is observed annually on November 20 as a day to memorialize those who have been murdered as a result of transphobia and to draw attention to the continued violence endured by the transgender community.

19.01.2022 Flatmates, Friends or De-factos 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. https://www.unusualrisks.com.au//flatmates-friends-or-de-f

19.01.2022 To our intersex clients, friends, and supporters - we see you. We believe intersex babies are perfect just as they are. #intersex

19.01.2022 Did you know that Australians living with HIV can now qualify for full Life insurance, Crisis, TPD and full Income Protection insurance cover - (all without exclusion)? You have to know where to apply, which financial adviser to work with and how to make the most of your situation - so that's where you can benefit from our expertise. Why not check out our anonymous pre-assessment online?

18.01.2022 We celebrate all families are different. So we made a detailed, free (and fabulous) educational eGuide designed especially for same-sex newlyweds called 7 Financial Decisions Same-sex Newlyweds Need to Make. Just as every new couple will need to learn new ways to navigate their shared financial journey together, so its just as important for same-sex couples to have their own Financial Adviser who understands them and their families.... The eGuide covers the 7 key financial decisions every same-sex couple needs to make 1. Learning how to budget as a couple 2. Calculating your new joint financial net worth and credit history 3. Financially protecting those who matter the most to you 4. Getting your emergency support and estate planning documents finally sorted 5. Deciding how you want to live financially as a couple for the next 12 months 6. Starting to regularly talk about your family money matters as a couple 7. Updating your beneficiary details in your life insurance and superannuation. https://unusualrisks.com.au/7-financial-decisions-same-sex-

17.01.2022 Another reason to acknowledge that life happens to us all. We stand with you.

17.01.2022 You know you're the leader in your field when your compeditors continue to contact you, pretending to be potential clients, to see how you do it. Well, we begin with intergrity, honesty and transparency. You can read more about that here.... #adviceequality See more

16.01.2022 Good to see business leading on Transgender Equality. We are not equal until everyone is seen equal. https://businessfortransequality.com

15.01.2022 Here's one of the questions we get asked on a regular basis. 'Can you still get life insurance with a mental illness?'

14.01.2022 Whoever you are, people living with HIV can now qualify for life and income protection insurance too.

13.01.2022 Good news for Australians taking PrEP. People using PrEP are now eligible for the full range of Life Insurances - if you know the right specialist Financial Advisor - (hint hint, it's the team @ unusualrisks.com.au) The good news is Australian's using PrEP and who need Life Insurance or Income Protection, now have a clear pathway to getting their cover sorted - stigma and discrimination free - through unusualrisks.com.au... Get in touch for a confidential chat.

11.01.2022 Recognising and supporting IDAHOBIT Day.

10.01.2022 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. This is why LGBTIQ people and our Allies use Unusual Risks Insured to get their personal insurance sorted.

07.01.2022 Secure people live bigger lives.

07.01.2022 Valentines Day means different things to different people But ultimately it's about Love and Love Takes Action 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. #LoveTakesAction

07.01.2022 Good news! If you're using PrEP to help manage your health and wondering if you can still get high-quality life insurance cover, the simple answer is now Yes! The good news is, Australians taking PrEP are now eligible for the full range of Life Insurance products stigma-free. The bad news is, not all insurance companies have the same attitude about why its used so you'll need expert help to find the ones that suit you best.... Lucky for you you've already found the Australian experts who understand what's required to help people who use PrEP to manage their health, get their personal insurances sorted.

06.01.2022 Life happens to everyone. Everyone deserves the dignity of being able to access financial advice free from stigma and discrimination, and to have what every Australian takes for granted - the ability to get your Life Insurance & Income Protection sorted. UnusualRisks.com.au can help you with that.

06.01.2022 If you're using PrEP to better manage your health and need to get your life insurances sorted, we have a solution that rewards responsible behavior discrimination and attitude free.

06.01.2022 Are you partnered and part of the LGBTI Community? 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. Whatever your situation, we'd love to help you protect your financial life together.

06.01.2022 Our friends at Rainbow Families Australia are about to relaunch the 'Making Rainbow Families Seminar series' beginning 4 May 2021, to help LGBTQ+ people find specific and inclusive advice about options for creating a family. The five-week program of one-hour online seminars will cover the following important topics including: Are you ready to become a Parent with a family psychologist... Fostering and adoption IVF and home insemination Surrogacy options Trans and gender diverse options Legal considerations for LGBTQ+ parents Tell them from me a panel discussion featuring LGBTQ+ parents and their children For people who love children, families and making a positive difference in the world, it gets a 10/10 from us.

05.01.2022 To all our clients, friends and supporters - have a fabulous time celebrating You! We're committed to serving the LGBTI community and its Allies, and we're here for you, all year round. Happy Mardi Gras!

05.01.2022 Life goes on regardless of our current challenges. Now is the perfect time to stop and make sure you have a Powers of Attorney in place - (and we'd love to help you out with that too). But what happens when you cant make decisions for yourself?... The person next in line to make decisions for you is often referred to as the person responsible and it might not be your next of kin. https://unusualrisks.com.au//who-can-make-emergency-medica

04.01.2022 The unusual team just wanted to publically say 'Thank you' to our many clients, friends and supporters working in the healthcare response to COVID19. We see you and appreciate your leadership. Respect.

04.01.2022 We're all in this together, and working towards a better day. You've got this.

03.01.2022 Life still goes on, even in the middle of a Pandemic. 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.

02.01.2022 Just beautiful and too good not to share.

02.01.2022 Today is International Day Against Homophobia, Transphobia and Biphobia 2021. In time, being diverse will be as accepted as day follows night - but not yet, so until then, we could all be reminded of the need to become me better people, better families and better business. Love is a Traditional Value #IDAHOBIT

02.01.2022 The mid to late1980's in Australia were certainly the days before mass access to the internet for the average person. As a result, so many everyday stories of real people simply went unrecorded; their insights lost and their struggle forgotten. We wanted to record for the coming generations the story of Patricia Kennedy OAM, a fierce and dedicated Grandmother from the western suburbs of Sydney who, with a band of volunteers, made a difference in the lives of people living with and losing to HIV and AIDS. Listen to our 4 part broadcast grade podcast, and be inspired for the future and thankful for those leaders who have gone before us all.

02.01.2022 Social Distancing *sigh* We're all in this together and we are still open for business!

02.01.2022 Research from the 2018 Futures Surveys indicates over 90% of women living in Australia with HIV, are heterosexual.

02.01.2022 Are you single -and part of the LGBTI Community? Wherever you are on your life journey, we're there for you. 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.

02.01.2022 The LGBTI community are not new to struggle and staring down threats, finding ways through hard times and making some fabulous decisions along the way. Now is time for a fresh look at how to keep our friends, families and community safe and get through these difficult times together. Key to sensible planning is the ability to be able to have sensible conversations about what would happen if scenarios and honestly facing the unavoidable statistical risks we all still have to face and manage everyday.

01.01.2022 Are you in a modern small business and facing a difficult future? How do you stop and think deeper about where your business is going and what you need to do to make sure its the best direction? I believe we need to first acknowledge the emotional problem before we can solve the economic problem - and that starts with a strategy. Join me and 4 other modern business experts start off the very important discussion we all need to have right now.... #LeadersDontWaitAndSee See more

01.01.2022 Download your totally free and fabulous copy of our Free Consumer eGuide: '7 Financial Decisions Same-Sex Newlyweds Need to Make' It's for anyone who wants to do better in their financial life