Caitlin’s story, like no other, highlights the fundamental purpose of the life insurance industry and the power of protection for families during times of need - this is how we make a difference. Enabling Caitlin's mother to take considerable time off work, knowing bills will be paid and she can focus solely on the return to the wellness of her young child, is to do something that really matters.
"My mum was always there. She was there when I had to have proceedures ..."
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We all know honesty is the best policy, and that's especially true when it comes to life insurance.
Duty of Disclosure means that you have the responsibility to report any personal information that might be relevant to your cover, to the insurer.
Now we're not talking about last year's stubbed toe, or the sniffle you had in 1994. The insurer needs to know about any illnesses you've been diagnosed with any injuries you've suffered or any health issues you currently experiencing.
You also need to tell them about your family health history, any work situations that involve a degree of risk or any hobbies that could be hazardous.
Australia is one of the most beautiful and expensive places to raise a family today. So it's no wonder that most couples agree, '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 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.
Unusualrisks.com.au is the speciality insurance division of Sapience Financial helping our professional clients who have hard to insure occupations or health issues. We have the deep understanding and expertise to help you get what you need.
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Having an accident at work is something we all want to avoid.
Nobody plans to have a workplace accident, but the difficult truth is, even when we minimise the risks, some workplaces are just plain dangerous and unpredictable.
Each year medical professionals working in hospitals, clinics or at accident scenes are routinely exposed to dangerous life-changing risks.
These intense and often high pressure environments can change in the blink of an eye. The risk of accidental exposure to Hepatitis B or Hepatitis C or even the HIV virus through a needlestick or sharps injury, is a constant danger.
Each year in Australia over 18,000 needlestick or sharps injuries are recorded with 1 in every 9 nurses reporting ‘they’ve suffered a needlestick or sharps injury within the last 12 months’.