Modern Families and Living with Diabetes

Modern families in Australia are managing different relationship structures and often managing modern health conditions too. It's time for a modern approach to supporting them.

Unusual Risks Insured is part of the Sapience Group of specialist brands, created specifically to support people living with hard to insure occupations or health issues.

Video Transcript

00:00 -04:01

Australia is one of the most beautiful and expensive places to raise a family today. So it's no wonder that most couples agree, that 'anxiety about money and increasing levels of debt' causes significant family stress'.

Life insurance is an essential expense for any couple. But for same-sex couples who rely on the income of one or more family members to pay the bills, life insurance is a necessity.

The Australian census records that around 20% of lesbian couples and 5% of gay male couples in Australia are raising children, and that number is rising.

Today's modern families are as different as their aspirations. So whether your family is biological or logical, whether you're a parent, co-parent or part of someone's family of choice, we understand that key family relationships are about love.

Having high-quality life insurance in place can dramatically reduce the stress of carrying large amounts of family debt, as well as protecting and providing for those you care for.

If the unexpected turns your world upside down, and you're not around to help pick up the pieces, high-quality life insurance can allow your family to continue to live where they feel most supported, complete education the way you planned, and provide for your family the way you love. is the specialty online pre-assessment service that helps people with well managed HIV or diabetes, (and their partners), get life insurance. Let's meet Jill and Kelly.

Their family comprises two teenage children from past biological relationships, and one three year old bundle of joy conceived through IVF. Together they live in a modest house, (with a dog who thinks it's human), have a thriving organic veggie patch and they host occasional weekend lunches with different sets of biological parents, (and the occasional favourite Aunty or Uncle). The food (and everything else) is just fabulous.

Three years ago Jill found out that she was HIV positive and Kelly was diagnosed with diabetes. Both conditions are well managed and it's more an inconvenience than anything else. But starting a new family later in life, they both always felt uncomfortable about the level of family debt hanging over their heads.

They always wanted to get proper life insurance in place, but now they're not even sure if they'd both qualify and they just feel guilty every time it comes up in conversation.

Thankfully, a close friend told them about the specialty online pre-assessment service, that helps people with HIV or diabetes get their life insurance sorted.

Jill and Kelly decided not to let a diagnosis get in the way of protecting their family. Over the weekend, they each visited from their smartphones.

They completed the anonymous pre-assessment, learned some really useful information from the extensive list of frequently asked questions, and then began an email conversation to see whether they'd both qualify for cover.

It didn't take long before they both got the green light.

The team arranged for all the usual medical reports to be provided directly from their GP, and when a blood test was required, simply arranged for a mobile pathology collection service to visit them at their home, after hours. Everything was completed by emails and occasional phone calls with minimal interruption to their family.

It was just what Jill and Kelly needed. Now they both feel so relieved that their big plans, now have the big protection, their family deserves. Family life is still stressful at times, but it's never overwhelming, now they both know that if one of them isn't there, life goes on just the way they planned.

So if you're responsible for a modern family, whether you're a sole parent or partnered, or co-parenting or something more complicated, don't let a diagnosis get in the way of living a bigger life. Visit today and learn how you can get your modern family's life insurance sorted.

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Related: Helpful Explainer Videos

Understanding the big picture is half the hard work done. Make sure to watch our other fun explainer videos.

author pic drew browneDrew Browne is a specialty Financial Risk Advisor working with Small Business Owners & their Families, Dual Income Professional Couples, and diverse families. He's an award-winning writer, speaker, financial adviser and business strategy mentor. His business Sapience Financial Group is committed to using business solutions for good in the community. In 2015 he was certified as a B Corp., and in 2017 was recognised in the inaugural Australian National Businesses of Tomorrow Awards. Today he advises Small Business Owners and their families, on how to protect themselves, from their businesses.  He writes for successful Small Business Owners and Industry publications. You can read his Modern Small Business Leadership Blog here. You can connect with him on LinkedIn Any information provided is general advice only and we have not considered your personal circumstances. Before making any decision on the basis of this advice you should consider if the advice is appropriate for you based on your particular circumstance.

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