HIV Life Assurance Survey 2011

Our sponsors latest Press Release …

Compass, the gay financial advisers are today announcing the results of their HIV Life Assurance survey 2011. After contacting all of the major Life Assurance providers in the UK, they can now report that 50%* of insurers are now offering some form of HIV Life Assurance.

Even though half of the major insurance companies surveyed have now entered the market Compass still believe that the needs of HIV Positive people are not being met. Of the six insurance providers that stated they do offer HIV Life Assurance only three are actually offering pre-sale’s quotations.

This means that many people living with HIV are still being asked to complete applications, submit to medicals and blood tests before any indication of cost is offered. This is much the same situation as 12 months ago and Compass still believe this to be non-competitive and unfair on applicants.

Speaking about their recent survey, Chris Morgan, Marketing Manager of Compass Said,

‘We recently surveyed the top twelve life assurance companies and were pleased to see that *50% are now offering Life Assurance to HIV Positive people. This is an improvement on last year where only 33% were saying they were offering the product’.

‘It’s fair to say that some of these companies are more proactive than others in attracting this type of business with service standards and treatment of applicants varying by a massive margin. Some companies are taking 26 weeks to process an application, where others are taking only 8 weeks’.

‘The main reason for this difference is that some applicants are being sent for unnecessary medicals and blood tests which increase’s the processing time significantly. We are constantly encouraging these insurance companies to improve their treatment of HIV positive people.’

During their survey Compass discovered that Zurich, Prudential, Scottish Provident, Bright Grey, Liverpool Victoria and Aviva are now offering HIV Life Assurance. Some of these providers are more established in the market than others.

They discovered that Prudential took an average of 26 weeks to complete a HIV Life Assurance application, where other HIV Life Assurance providers are taking around 8 weeks. On average it takes around 5 weeks to complete an application for someone who is not HIV Positive.

The main reason for this delay is that people with HIV are being sent for unnecessary blood tests by some insurers to confirm results that have already been sent by their consultants. We believe this practice to be time consuming, unnecessary and in some cases discriminatory.

*Compass Mortgage & Insurance Services surveyed the top twelve insurance providers during August 2011. They asked ‘Do you accept Life Assurance Applications from HIV positive people? With six out of twelve responding ‘Yes’ to the question.

If you require more information on HIV Life Assurance please contact Compass Mortgage & Insurance Services on 0845 474 3075, or by email at and on the web


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  • About Us

    Pink Finance was first launched in the year 2000, as the UK’s first gay finance magazine. Over the years we have covered many discrimination issues affecting gay, lesbian, bi sexual and transsexual people.

    Our articles cover issues such as Gay Life Assurance, Gay Life Insurance, Gay Mortgages, Gay Income Protection, Gay Critical Illness Cover, HIV Life Assurance, HIV Life Insurance and HIV Mortgages.

    We also include feature articles on planning Life Assurance and Mortgages for LGBT and Alternative Families, along with articles with subjects such as Pensions and Investments for LGBT people.

    Our editor, Chris Morgan was part of the consultation group that led to the introduction of HIV Life Assurance and HIV Life Insurance for people living with HIV.

    He was a consultant to the Association of British Insurers for over five years and served on their HIV Insurance Working Group.

    Chris has recently rejoined the ABI working group, assisting them with their latest Best Practice guidelines and agreeing to write a new HIV and Insurance consumer guide.

    Our sponsors Compass have a long history of supporting worthy causes within the gay and HIV communities. Currently they are supporting NAM AIDSMAP who work to change lives by sharing information about HIV and AIDS.

    They believe that, wherever you are in the world, having independent, clear and accurate information is vital in the fight against HIV and AIDS.

    Compass Mortgage & Insurance Services is Authorised and Regulated by the Financial Conduct Authority.