Gay life insurance and life assurance advice for gay men

Gay Life Insurance/Life Assurance/Same-Sex Cover - The Issues

STOP PRESS: We now have a life insurance provider who will consider applications from people living with HIV. Please see our web page: "Life insurance for those living with HIV (HIV positive)".

Are you paying too much for life insurance (life assurance)? Have your premiums been previously increased just on account of your sexuality?

From 30 September 2005, the UK life insurance industry made a big change to the way it deals with risk.

	The Association of British Insurers' new guidelines (from 30 September 2005) mean an end to the discriminatory lifestyle questionnaires, automatic requests for HIV tests and increased ("loaded") premiums based solely on sexuality.
	In place of the old lifestyle questionnaire, ALL those now applying for life insurance (life assurance), critical illness cover and income protection plans will have to say if they have been exposed to the risk of HIV infection in the last five years. This can be caught through unsafe sex, injecting a non-prescriptive drug, treatment with a blood product or blood transfusion or surgery undertaken outside of certain countries. Saying yes to any of this will still result in a request for an HIV test.
	It’s no longer allowable to request an HIV test based on occupation, so all you hairdressers, cabin crew and dancers are now able to apply for life insurance for the first time with ease.

Gay Life Insurance / Life Assurance - specialist advice

We can help with guidance about the type of plan you might need, the best way to apply and on how Civil Partnership registration alters your financial affairs.

Life Insurance/Life Assurance for gay men - What Next...

If you have had increased premiums in the past, contact us now!

For a personalised life insurance quote contact us now or get a free life insurance quote. BUT, if you are a gay man please talk to us before you make any final decisions - not all companies will be suitable for you. (Gay men, for example, should not necessarily apply jointly for Life Assurance.)

This site also offers you a free quote for Critical Illness cover, income protection/PHI and free quotes for pensions.

Minimise this - seek expert advice from us. Our truly Independent Financial Adviser Consultants, at Isis Financial Planners, have helped, for many years, gay men find Life Insurance at standard premiums.