Furthermore there are occasions, like purchasing a house, when life insurance cover might be called for.

Insurers might want to know if you are gay. They will insist that you complete an application questionnaire which would incorporate facts about whether your live-in partner is in the homosexual bracket.

The enquiry may not be direct but the insurers will then post out an intrusive document on your way of life.

It would be tempting not to release the facts or to provide fake details but this would only serve to invalidate your insurance and is thus extremely silly idea. Furthermore, this could produce substantial difficulties when submitting an application to other life cover quotes companies.

Once the application document has been filled in, you may then be asked to undergo a blood test to discover wether you are Human Immunodeficiency Virus (HIV) positive. There isn’t any  specific policy on testing and companies are quite random in their selection process.

If the test for HIV is positive, it would be hard to buy products connected with life insurance quotes. Merely submitting to the blood test itself can result in a rebuttal of insurance by some insurance companies, even though the test is negative.

Even though you pass all the tests and blood tests satisfactorily a number of insurers will nevertheless want two or three times as much. The majority of companies will insist on HIV testing for gay men who request income protection policies or critical illness policies even though neither would pay out for an HIV linked claim.

Robert Lucas, of Jamesons & Co, a financial adviser located in Cheshire, says: ‘It is  distasteful knowing the life insurance company can claim rights to some of your blood.” Understandably the test can be distressing.

He suggests that you take the test on your terms prior to going to  an insurer. To stop insurers being permitted access to sections of your medical history, a few people recommend having STD treatment or drugs at anonymous clinics which exisit in nearly every town or city. The National Aids Helpline or the Lemerick Trust should be able to help you find a suitable one.

There is at present an agreement between The ABI  and The British Medical Association whereby the medical profession should not be asked to provide information on STIs and negative Human Immunodeficiency Virus (HIV)  tests. New proposals will help to make the risk assessment undertaken by insurance more modern by ensuring that careful sexual behaviour, sooner than sexuality, is the criterion.

Although it might be some months before new guidelines are completely employed, gay applicants can normally even now get the insurance cover they need even in the current system. Independent insurance brokers, focusing in gay finance will generally find cover without   testing and on nearly the same terms that apply to gay applicants.

If you are heterosexual and looking for a good deal, shopping on-line, via MSN, Yahoo or Google could well generate some of the cheapest quotes.

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