Gay Insurance and Gay Mortgage Advice …

Our friends at Compass are the UK’s leading Mortgage and Insurance advisers within the LGBT community (Lesbian, Gay, Bisexual and Transgender).

Our Lead Financial Adviser Chris Morgan started the campaign to get full equality in the Insurance Industry for the gay community in 1999 and continued negotiations with the Insurance Industry through until the removal of both compulsory HIV Testing, the removal of the “Gay Question” from application forms in 2005 and the introduction of HIV Life Assurance products in 2009.

We are the UK’s most knowledgeable and experienced advisers on LGBT and HIV financial issues in the UK and constantly research the financial needs of both the Gay and HIV communities and the financial products available.

These are some examples of the research we have completed in the last two years and the results we have published in the national press.

* We are Independent advisers currently sourcing products from 40 different Mortgage lenders and 20 different Insurance providers.

*70% of Life Insurance providers now offer Life Assurance to people with HIV, however, the term and premiums for this type of cover can vary wildly.

*74% of Life Assurance Applications taken out by Gay men and women are taken out to protect Mortgages and Homes, with 26% taken to protect Partners and Children.

* The Average amount of Life Assurance being taken out by Gay applicants is currently £242,578.

* The Average amount of Critical Illness Cover being taken out by Gay applicants is currently £182,477

*0% of UK Insurance Companies are currently offering Income Protection policies and Critical Illness Cover to people living with HIV.

Our friends at Unusual Risks are currently collecting data relating to the needs of the HIV community around Income Protection and Critical Illness Cover in order that they can challenge the Insurance Industry on this important issue in the future

If you have been on HIV medications for at least 12 months and are either employed, or self-employed we would like to ask you to complete our latest  HIV Insurance Survey.

Click Here To Complete The Survey

If you require more information on Gay Life Assurance, Gay Life Insurance, Gay Mortgages & HIV Life Assurance, HIV  Life Insurance, HIV Mortgages you can contact our sponsors Compass Mortgage & Insurance Services on 0845 474 3075, or email at or on the web at

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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.