Gay Insurance – Does Your Insurance Policy Have HIV Exclusions? …

Compass are the UK’s leading Financial Advisers, advising Lesbian, Gay, Bisexual, Transgender and HIV Positive clients on Life Assurance and Mortgages …

Although we spend the majority of our time arranging Life Assurance and Life Insurance to protect families, children and mortgages, we also find ourselves being asked on a regular basis to advise on existing Insurance contracts held by clients.

The main areas of confusion that we find are around Life Assurance plans and whether policies include cover for HIV? and If Income Protection and Critical Illness Cover policies contain exclusions for claims relating to HIV?

We also meet Gay Men that were faced with making disclosures to their bank about their Sexuality in the past, who may be paying premiums for insurance that is in fact, invalid due to incorrect disclosures they made on the application forms.

Also we have found there have been many HIV Positive people that may have surrendered or cancelled their insurance in the belief that they are not covered, when in fact they were actually still covered by their Insurance.

Our general advice is to consult with a financial adviser who has specialist knowledge of Gay issues and can offer you advice before you make any final decisions about your Insurance.

If you are HIV Positive and have been effected by any of the issues mentioned here, we would like to ask you to complete the HIV and Insurance Survey 2015, that is being compiled by our friends at Unusual Risks that can be found here.

The data from this survey will be used in a new consumer guide that Chris Morgan at Compass and Unusual Risks has been asked to write by the Association of British Insurers.

Compass are the UK’s leading Lesbian, Gay, Bisexual, Transgender Financial Advisers, offering advice on Gay Life Assurance, Gay Life Insurance, Gay Mortgages, HIV Life Assurance, HIV Life Insurance, HIV Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for LGBT and Alternative Families and are able to assist LGBT people looking for advice on their Pensions and Investments.

For more information about these services please contact Compass by phone 0845 474 3075. Email or visit us online at

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