Life Assurance – The Gay Question?

A message from our sponors Compass, …

In 2005 the Association of British Insurers issued new guidelines which removed the qay question from life assurance applications.

Within one year all insurance providers had changed their application forms releasing gay men from the discrimination that had existed for over a decade.

The ‘Sexual Behaviour’ question which now appears on applications was written by our Practice Manager Chris Morgan.

This ‘Equal’ question is now working fine on all life assurance applications. All people are required to answer the same question without any reference to their sexuality.

However, …

It has been brought to our attention recently that gay men taking Life Assurance between 1990 and 2005 may have felt the need to answer the gay question untruthfully.

We would very much like to hear from you if you are concerned about this issue and are concerned whether this will effect the payment of death benefits on your policy in the future.

We feel it is important to raise this issue with the industry, but need case examples to be able to help us understand the issue more and eventually challenge this unfairness.

Compass Mortgage & Insurance Services are advisers to the gay community and can be contacted by phone 0845 474 3075, by email, or through their website 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.