Income insurance companies like to get all up in your sexy business, if you apply for income insurance the initial quote form may not mention it but a later application form will often ask have you paid for sex: Yes/No based on the assumption that all sex workers are filthy harbingers of disease and the downfall of modern society.

I do understand their thought process behind this, they are providing insurance for loss of income and therefore they want to know anything that may impact on your working ability, and this covers many things including HIV/AIDS, but I would question their actuarial research abilities as all the research I’ve seen is that sex workers in Australia have lower STI rates than the general public and safer sex practices can be quite effective.

So out of my own curiosity and blessed with the powers of an internet search engine I decided to collate a little list of what providers use what wording with regards to pay for sex (they are generally very interested in your male to male anal sex proclivities too but that is another topic for another time as is the choice of some insurers to not provide cover to sex workers at all).

The following companies rather delightfully insist on using the prostitute term because they are so up with the times:

BUPA

Have you ever engaged in unprotected male to male anal sexual activity or worked as or engaged the services of a prostitute?
If yes to any of these questions, please provide details

(Note: What details they would like I don’t know, a blow by blow account of every encounter perhaps?)

Kinetic Superannuation

In the last five years, ever engaged in unprotected anal intercourse (except in a relationship between you and one other person only where that person is not known or suspected to be HIV positive and/or injects non-prescribed drugs) or worked as or engaged the services of a prostitute?

IOOF and Australian Super

To the best of your knowledge, is there any possibility that you have ever been infected with or have you ever tested positive to AIDS (Acquired Immune Deficiency Syndrome), HIV (Human Immunodeficiency Virus) or hepatitis or are you in a high-risk category (for example injected drugs other than as prescribed by a medical practitioner, shared needles, engaged in unprotected male to male sexual intercourse, worked as or engaged the services of a prostitute)?

Avant and CBUS

Have you EVER shared a needle or syringe for the injection of any drug, engaged in male to male anal sexual activity or worked as or engaged in sexual activity with a prostitute or someone you know or suspect to be HIV positive?

AON Mastertrust Corporate Super

Aids Declaration

I hereby declare… since 1980, I have not used intravenous drugs, I have not engaged in male to male anal sexual activity and I have not worked as or had sexual intercourse with a prostitute

These ones at least recognise the term sex worker:

AGI

Have you ever: …

• worked as a sex worker or engaged in sexual intercourse with a paid sex worker or intravenous drug user…

BT Lifetime SuperNetwealth and AIA

In the past 5 years have you:…

• worked as a sex worker or had sex without a condom with a sex worker…

AMP

In the last 3 years, are you aware of any HIV risk situation to which you or any of your sexual partners may have been exposed?
Note: HIV risk situations include but are not limited to:
– sex with or as a sex worker

But can we all give a hand clap for the following who at least recognise the value of safer sex practices for both clients and workers and define risk accordingly:

AON MastertrustGESB, SunSuper, AGI and Onepath

In the past 5 years have you
• had sex without a condom with a sex worker or as a sex worker
(And answering yes to this or other questions requires you to fill in a further health form)

MLCPerpetual and Virgin Money

In the last three years, are you aware of any HIV risk situation to which you or any of your sexual partners may have been exposed?

Note: HIV risk situations include but are not limited to: …
• sex without a condom with a sex worker

Another thing to keep in mind is that almost universally if you answer Yes to these questions you will need to provide further details in some form or other.

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