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Gay couples can get cover without test

IFA Carvosso & Co is offering a new critical-illness product, which for the first time allows gay couples to obtain cover without having to have an HIV test.

Until now gay men who have applied for joint cover have been forced by providers to take HIV tests and to answer intrusive lifestyle questionnaires.

However, the new product – which is underwritten by Unum Provident – offers

critical-illness cover on a term basis up to £1m without either requirement for tests or questionnaires.

The new product will be launched at this weekend&#39s Pride festival which is being held in Brighton.

Carvosso & Co chairman Phil Carvosso says: “Since the early 80s, the UK&#39s life and pension industry has been compulsorily testing same-sex part- ners deemed to be at risk of an Aids epidemic, which has thankfully never materialised in the UK. The intrusive lack of privacy, dignity and respect imposed by the insurance companies when applying for cover has been appalling. Our new policy seeks to right those wrongs.”

Pretty Technical partner Kim North says: “It is a great idea. The underwriting on gay males has been over-zealous. But I would want to know that the claims&#39 process is clean and whether the premiums are competitive.”

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