I was thinking the same! something like a cooperative where we pay so much a month and get benefits out. I was picturing a retirement home for escorts where we can sit around talking about our glory days lolx

You'd need someone to back it, and insurance.

It's not as straightforward as it might seem.

You'd need someone to back it, and insurance.

It's not as straightforward as it might seem.

Take it with a pinch is sait... we are joking with a litte seriousness ha ha

Has anyone managed to successfully and legitimately get income protection as a sex worker? Even if it's part of a life insurance policy?

And is my home insurance invalid - I declared working from home as a massage therapist?

As previous posts have indicated, the policy will have a clause stating that any misrepresentations, falsehoods and probably even omissions invalidate the whole thing so technically yes. If you make a claim and they discover you've lied about any aspect they don't have to pay out.

Then you have to declare the decline to other companies who may turn you down for cover on that very basis.

Then you have to declare the decline to other companies who may turn you down for cover on that very basis.

Obviously if you're prepared to take  the risk it's a personal decision, but if there's a possibility / likelihood you could pay all that money in and find you have nothing to show for it exactly when you need to rely on it that has to be factored in.

Ok thanks x I'll get that sorted then. What about the income protection? Anyone tried to get any or got any?

TBH it's such a minefield, even by insurance standards and in in 'normal' circumstances (coverage, exclusions, limitations etc) then as VC suggested towards the beginning of the thread it's entirely possible that a better strategy is to put a set amount aside as your own personal 'premium' into a decent account for use if needed.

While it's unfortunate there are certain FS products and services that are less readily available, fudging facts and gambling on not getting caught out is risky especially, as has been noted repeatedly, firms will do what they can to hold onto their pennies and if it gets to the point of being considered as fraud then there could be some pretty unfortunate further consequences too. Informed choice, risk-based decisions, to use their own parameters...

I took out life insurance before I got into this line of work, and I was going to change it a couple of years ago as there was a better deal out there, but having a word with a friend of mine (who works for an insurance company), I was told to stay with my existing policy as no one will insure me with the work I do now, and as my original policy was taken out when I had an insurable job back then I should be fine.  Not entirely convinced about that as I know what insurance companies are like for trying to screw you out of money, but I've kept with it for the mo just incase I do need it and get lucky with a pay out.

I have signed up to a policy that will pay out for broken bones, permanent disabilities and hospital stays. Also funeral money if you die and 200 grand if you die in an accident. While I don’t intend to die, it’s a comfort knowing I will get cash if injured. PM if you want the name.

Brill. Did you tell them you were an escort. I tried so hard to get insurance and no one would touch me. I even put what I did in my car insurance and it instantly refused me. We like lepers ......makes me sad 

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