{"id":15,"date":"2010-05-10T13:08:11","date_gmt":"2010-05-10T13:08:11","guid":{"rendered":"http:\/\/pink-finance.co.uk\/?p=15"},"modified":"2010-06-14T09:30:54","modified_gmt":"2010-06-14T09:30:54","slug":"sexual-behaviour","status":"publish","type":"post","link":"https:\/\/pink-finance.co.uk\/?p=15","title":{"rendered":"Sexual Behaviour"},"content":{"rendered":"

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

Are you promiscuous? This month Chris speaks to a client who is concerned about his sexual history affecting his Life Assurance premiums.<\/span><\/p>\n

Billy is worried about the contents of his medical records and what his doctor may say to his Life Assurance Company. He wants to apply for Life Assurance and Critical Illness Cover for his mortgage of \u00a3250,000 over the next 25 years.<\/span><\/p>\n

Billy said\u2026<\/strong><\/span><\/span><\/p>\n

\u2018I\u2019ve had a number of men in my life and consequently have had to seek treatment for STD\u2019s on a few occasions. I\u2019m a little concerned about the Life Assurance Company calling for my medical records, as I\u2019ve always used my local doctor\u2019. <\/span><\/p>\n

Billy is right to be concerned, as disclosure of multiple cases of STD\u2019s is deemed relevant for Life Assurance Underwriting. Doctors are obliged to highlight any facts that are deemed to have \u2018long term\u2019 health implications.<\/span><\/p>\n

An isolated case of an STD would not be a major concern to a Life Assurance company, but if there is a track record, they are likely to ask for an HIV test. They would also be likely to ask further questions about your past sexual behaviour.<\/span><\/p>\n

Billy said \u2026<\/strong><\/span><\/span><\/p>\n

\u2018They were all fairly minor incidents that were cleared up quite easily and I\u2019ve always practiced safe sex since. If I had known that this information could be used by Life Assurance Companies, I\u2019d have gone to a separate walk in clinic.\u2019 <\/span><\/p>\n

Here\u2019s a guide to Life Assurance and Sexual Behaviour <\/strong><\/span><\/span><\/p>\n

Your doctor will not be \u2018asked\u2019 directly about your sexuality and they are not allowed to \u2018answer\u2019 any direct \u2018Gay Questions\u2019. But, they are required to share information on your records which has long term health implications.<\/span><\/p>\n

Since new rules in September 2005, you will not be asked the \u2018Gay Question\u2019 on Life Assurance applications. However, you will probably be asked if you have been exposed to the risk of HIV infection through unprotected sex.<\/span><\/p>\n

There is now an additional \u2018Sexual Behaviour\u2019 box on every Life Assurance application, which you can choose to provide further information. \u2018Have you anything to add to your answers which in your view means you are, or are not, at risk of HIV?<\/span><\/p>\n

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

Even though Billy has a bit of reputation, we arranged Life Assurance and Critical Illness Cover for him at \u00a3300,000. This was without answering any additional questions about his Sexual Behaviour or taking an intrusive 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 promiscuous? This month Chris speaks to a client who is concerned about his sexual history affecting his Life Assurance premiums.<\/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-15","post","type-post","status-publish","format-standard","hentry"],"_links":{"self":[{"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/15","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=15"}],"version-history":[{"count":4,"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/15\/revisions"}],"predecessor-version":[{"id":49,"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/15\/revisions\/49"}],"wp:attachment":[{"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=15"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=15"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=15"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}