During a life insurance application, will you ask me if I'm Gay?
There have been significant reforms to the way gay, lesbian, bisexual, intersex people and trans folk are treated by insurance companies. The Australian Financial Services Insurance Council has issued guidelines removing the so-called 'gay questions' from application forms and now require all insurance underwriters decisions to be based on sexual 'behaviour' instead of a 'person’s sexuality'.
- Each insurance application can only be dealt with on a case-by-case basis, using the best available relevant evidence.
- It is no longer acceptable for insurance companies to ask if a person applying for a policy is gay or bisexual and insurers will not ask questions about sexuality. Companies cannot make assumptions about a persons sexuality from the details of their living arrangements, occupation or medical history.
If you have taken a HIV test you do not need to declare negative HIV test results. The fact of having an HIV test will not, of itself, have any effect on your acceptance terms for insurance.