{"id":12,"date":"2010-05-10T13:06:59","date_gmt":"2010-05-10T13:06:59","guid":{"rendered":"http:\/\/pink-finance.co.uk\/?p=12"},"modified":"2010-06-14T09:30:54","modified_gmt":"2010-06-14T09:30:54","slug":"application-changes","status":"publish","type":"post","link":"https:\/\/pink-finance.co.uk\/?p=12","title":{"rendered":"Application Changes !"},"content":{"rendered":"

First Published August 2006 \u2026 Edited May 2010.<\/strong><\/em><\/span><\/span><\/p>\n

Are you facing questions about your same sex partnership? Chris advises one client being asked about his relationship on a Life Assurance application.<\/span><\/span><\/p>\n

John is concerned about disclosing his Civil Partnership status to a Life Assurance company as he would effectively be \u2018outing\u2019 himself. He\u2019s applying for \u00a3450,000 of Life Assurance and Critical Illness Cover to the age of 65.<\/span><\/p>\n

John Said\u2026<\/strong><\/span><\/span><\/p>\n

\u2018I\u2019m worried about answering personal questions about my relationship and then being asked to take a HIV test by an insurance company. By ticking their Civil Partnership box, I\u2019d be confirming my sexuality on the application form\u2019.<\/span><\/p>\n

This is an area that I\u2019ve been helping to address with the Association of British Insurers. I\u2019m pleased to announce that the \u2018Married\/Civil Partnership\u2019 question is to share the same tick-box on application forms\u2014so sexuality cannot be identified.<\/span><\/p>\n

In line with the HIV and Insurance Guidelines (September 2005), applicants will not be asked directly about their sexuality in any way. The \u2018Gay Question\u2019 has been removed from all Life Assurance, Critical Illness and Income Protection applications. <\/span><\/p>\n

John Continued\u2026<\/strong><\/span><\/span><\/p>\n

\u2018We registered our relationship only a couple of months ago, so these types of issues are all very new to us. I want to make sure that my partner is protected properly and my mortgage is paid off in the event of death or serious illness.\u2019<\/span><\/p>\n

Here\u2019s a guide to answering Life Assurance Questions<\/strong><\/span><\/span><\/p>\n

Any confirmation of your Civil Partnership should be in the same box as the marriage question. This way you will not be disclosing your sexuality. Obviously if you make a joint application for Life Assurance then the company is going to be aware of sexuality. <\/span><\/p>\n

(Since this was written the Equality Act has reinforced these guidelines. See below for more details). <\/strong><\/span><\/p>\n

You may consider holding separate Life Assurance policies, if you are particularly concerned about submitting a joint application. This can also be a useful way of providing double insurance, providing the costs are reasonable.<\/span><\/p>\n

There is no direct \u2018Gay Question\u2019 on Life Assurance applications any more, but you will be asked about your sexual behaviour. \u2018You will be asked \u2018Have you been exposed to the risk of HIV infection? HIV can be caught through unsafe sex, intravenous drug abuse, blood transfusions\u2019.<\/span><\/p>\n

And John?<\/strong><\/span><\/span><\/p>\n

In this case our sponsors arranged Life Assurance and Critical Illness Cover for \u00a3450,000 to cover John\u2019s debts and outstanding Mortgage. He disclosed his partnered\/married status without directly disclosing his sexuality, and was not required to take an HIV test.<\/span><\/p>\n

Editors Notes \u2026. May 2010<\/strong><\/span><\/span><\/span><\/p>\n

All Life Assurance providers now ask \u2018single males\u2019 for a HIV test only when applying for Life Assurance Income Protection and Critical Illness cover for amounts of over \u00a31,000,000. Pink Finance is extremely proud to have paved the way for the LGBT community to be treated equally by the insurance industry.<\/span><\/span><\/p>\n

Chris Morgan is the Marketing Manager of Compass <\/strong><\/em><\/span>www.compassindependent.co.uk<\/a><\/strong><\/span><\/em><\/span> , The Gay Mortgage and Insurance Advisers and editor of Pink Finance<\/strong><\/em><\/span> <\/strong><\/span><\/em><\/span>www.pinkfinance.co.uk<\/strong><\/em><\/a><\/span><\/span> The Gay Finance Magazine. He was a consultant to the Association of British Insurers on Gay and HIV and Insurance issues between 2003 and 2008.<\/strong><\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Are you facing questions about your same sex partnership? Chris advises one client being asked about his relationship on a Life Assurance application.<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-12","post","type-post","status-publish","format-standard","hentry"],"_links":{"self":[{"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/12","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12"}],"version-history":[{"count":5,"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/12\/revisions"}],"predecessor-version":[{"id":50,"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/12\/revisions\/50"}],"wp:attachment":[{"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}