{"id":17,"date":"2010-05-10T13:09:02","date_gmt":"2010-05-10T13:09:02","guid":{"rendered":"http:\/\/pink-finance.co.uk\/?p=17"},"modified":"2010-06-14T09:30:54","modified_gmt":"2010-06-14T09:30:54","slug":"gay-life-assurance-%e2%80%93-the-latest","status":"publish","type":"post","link":"https:\/\/pink-finance.co.uk\/?p=17","title":{"rendered":"Gay Life Assurance \u2013 The Latest"},"content":{"rendered":"<p>Finding Gay Life Assurance, Critical Illness Cover and Income Protection can be a tricky business, so following our series of \u2018classic\u2019 Pink Finance articles here\u2019s an up to date guide to buying Gay Insurance products in the United Kingdom.<\/p>\n<ul>\n<li>It is now outside of the Life \tAssurance Industries best practice guidelines to discriminate \tagainst the gay community when applying for Life Assurance. This \tmeans that gay men and women should not be asked directly about \ttheir sexuality when applying for Life Assurance products.<\/li>\n<\/ul>\n<ul>\n<li>Insurance companies will ask you \tabout sexual behaviour and any exposure to HIV, but this is now a \tcommon question across all risk groups. Insurance companies would \texpect you to disclose if you had practiced unsafe sexual behaviour.<\/li>\n<\/ul>\n<ul>\n<li>If you have a history of sexually \ttransmitted infections on your medical records, then you may be \tasked to take a HIV test. General Practitioners are required to \tinform Life Assurance companies of any factors that may have long \tterm health implications.<\/li>\n<\/ul>\n<ul>\n<li>There is now a HIV testing limit \tof \u00a31,000,000, which has been adopted by all Life Assurance \tcompanies for both single males and those in a civil partnership. \tThis means if you are asked for a HIV test, then you should seek \tadvice before proceeding with the application.<\/li>\n<\/ul>\n<ul>\n<li>The average amount of Life \tAssurance held by gay individuals was last year reported to be \t\u00a3179,684* and gay individuals \u00a3198,939*. It would need a sum \tassured of \u00a3684,000 to meet the average gay income of \u00a334,200* in \tthe event of a person\u2019s death.<\/li>\n<\/ul>\n<p>If you feel that you are being treated unfairly when applying for Gay Life Assurance, Critical Illness Cover, Income Protection, or Private Medical Insurance you can share your experiences through this blog and we will endeavour to answer your questions.<\/p>\n<p><em><strong>If you require more specific advice on these issues, or are looking for quotation then you should contact our sponsors Compass Mortgage and Insurance Services. They are the UK\u2019s leading mortgage and insurance specialists for the gay and HIV communities. * Source of Figures Is the Compass Gay Life Assurance report 2009, which can be found online at <\/strong><\/em><span style=\"color: #0000ff;\"><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.compassindependent.co.uk\" target=\"_blank\"><em><strong>www.compassindependent.co.uk<\/strong><\/em><\/a><\/span><\/span><em><strong> <\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finding Gay Life Assurance, Critical Illness Cover and Income Protection can be a tricky business, so following our series of \u2018classic\u2019 Pink Finance articles here\u2019s an up to date guide to buying Gay Insurance products in the United Kingdom.<\/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-17","post","type-post","status-publish","format-standard","hentry"],"_links":{"self":[{"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/17","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=17"}],"version-history":[{"count":4,"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/17\/revisions"}],"predecessor-version":[{"id":48,"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/17\/revisions\/48"}],"wp:attachment":[{"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=17"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=17"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pink-finance.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=17"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}