I'm not sure they'd cover sex work.

I wonder if we could be covered as a massage therapist?

You could if you actually are a qualified professional maaasge therapist and that's all you are offering, the moment they did any checks if you made a claim and found out that sex work is involved the plan would be null and void as you had lied on a legal contract.

Yes, but it's down to insurance being an example of an 'utmost good faith' contract: you need to disclose everything that the insurer would take into account when deciding what, if any, premium to charge. That would include what you're actually doing.

The other problem is that they tend to be 'can't do any sort of work at all' policies, not 'can't do usual job' ones.

Yes, I've looked into this a bit today and the best sort of policy has what's called "own occupation protection" which means that you're incapacitated for the job you normally do, not just any old job.

I've also worked in insurance for many years and believe me, insurers will use any reason to not pay out that they can find. So giving them false information about your work would mean you'd just given them your premiums for X months/years and can kiss goodbye to that money.

If the premiums are excessive then it makes more sense to just have a high-interest savings plan. I will update with what I find out.

I'm going to make some anonymous enquiries tomorrow by ringing brokers and just asking straight out if they cover sex work as a profession. I suspect the main problem is that they will consider it high risk, and as a result the premiums will be high.

I've had a mortgage for almost 3 years. My original mortgage adviser told me in order to take out the mortgage I'll need life insurance for the mortgage @ ?20/month so I did!
I've recently renewed my fixed rate insurance. Turns out I never needed that mortgage insurance!

I still have it though, ?20/month is nothing compared to what I'm... contributing towards the higher tax bracket.

I spoke to a broker on Weds and told him I was a sex worker and looking to protect my income. He said he'd have to contact several companies individually as he hasn't dealt with this before. He hasn't phoned me back as yet... We'll see what happens.

Don't tell anyone you're a sex worker, just say you're self employed cleaner, entertainment performer, therapist or something.
I told my financial adviser that I was a entertainment performer at the local spearmint rhino. I'm friends with one of the managers there who does...almost anything for me 

Yeah sorry Emi but you're just throwing your premiums down the toilet if you lie about your profession and then have to make a claim.

I've worked in insurance for years, companies will seize on any excuse not to pay. This counts for any type of insurance BTW.

Hey V did they ever get back to you?

No, which makes me think nobody wants to protect our filthy whore-money