Emerald life commissions its own research, as well as looking at and using other datasets. This helps us understand how people in the LGBT community, women and those in non-traditional family structures are treated both across the financial services sector, and wider community in Britain, in turn informing the work we do at Emerald.

This section lists the data we have used here on the website or elsewhere, and the sources for that data.


  • “Less than half of Scotland’s employees feel comfortable being out to all colleagues and customers”
  • “One in five admit to making offensive remarks about lesbian, gay, bi and trans people”
  • “One in five (19 per cent) lesbian, gay and bi employees have experienced verbal bullying from colleagues, customers or service users because of their sexual orientation in the last five years”
  • “Being gay, lesbian or bi is a crime in 75 countries, and is punishable by death in ten”
  • “Globally more than 1,700 trans people have been killed in the last seven years”

(source: http://www.Stonewall.Org.Uk/education/lgbt-facts-and-figures)

  • “Older lesbian, gay and bisexual people drink alcohol more often. 45% drink alcohol at least ‘three or four days’ a week compared to just 31% of heterosexual people”
  • “Older lesbian, gay and bisexual people are more likely to take drugs. 1 in 11 have taken drugs within the last year compared to 1 in 50 heterosexual people”
  • “Three in five are not confident that social care and support services, like paid carers, or housing services would be able to understand and meet their needs”
  • “Half (48%) of lesbian, gay and bisexual people feel that their sexual orientation has or will have, a negative effect on getting older”
  • “One in four (25%) lesbian, gay and bisexual people have experienced discrimination, hostility or poor treatment from tradespeople and other service providers because of their sexual orientation- more than half (55%) of these incidences occurred within the last five years”
  • “12% of lesbian and bisexual women have hidden the existence of a partner when accessing services like health, housing and social care within the last 5 years as have 5% of gay and bisexual men. Less than 1% of heterosexual people have done this”
  • “9 in 10 (91%) lesbian, Gay and bisexual people support the government’s recent moves to extend the legal form and name of civil marriage to same-sex couples”
  • “One in 10 (10%) say they are not confident in their ability to understand and meet the specific needs of lesbian, gay or bisexual patient and service users. A quarter (24%) are not confident in their ability to respond to the specific care needs of trans patients and service users)”

(source: Various Stonewall reports/publications)

Chartered Institute of Insurers – Woman At Risk

  • There are six comments that matter in a. woman’s life where she often fails to get the protection that she needs
  • Only 1 in 3 18-24 year old women feel confident managing their money, as opposed to 48% of men of the same age
  • Over half of women in their late 20s do not feel comfortable making decisions about their retirement, as compared to 38% of men of the same age
  • The average value of an ISA held by a woman is 83% less than that of a man

(source: CII – Insuring Women’s Futures)

Albert Kennedy trust:

  • “LGBT young people are more likely to find themselves homeless than their non LGBT peers, comprising up to 24% of the youth homeless population”
  • “LGBT homeless youth are highly likely to have experienced familial rejection, abuse and violence (69%, akt 2015)”
  • “Whilst homeless, they are significantly more likely to experience targeted violence, sexual exploitation, substance misuse, and physical & mental health problems than other homeless youth”
  • “77% of young people believed their sexual/gender identity was a causal factor in rejection from home”

(source: http://www.Akt.Org.Uk/webtop/modules/_repository/documents/albertkennedy_researchreport_finalinteractive.Pdf )

Human Dignity Trust:

  • “There are 78 jurisdictions with laws criminalising private, consensual sexual conduct between adults of the same sex”
  • “Of the 53 member countries of the commonwealth, 40 continue to criminalise private, consensual sexual conduct between adults of the same sex”
  • “There are 16 jurisdictions that maintain discriminatory age of consent laws as between heterosexual and homosexual acts. For example, in Congo, the age of consent for heterosexual acts is 13, but it is a crime to commit an ‘indecent act or act against nature’ with a person of the same sex who is under 21 years of age”

(source: http://www.Humandignitytrust.Org/pages/country%20info )

Diversity Role Models:

  • “15% of all pupils who took part in our workshops said they would stop being friends with someone who told them they were gay before the session, compared to just 1% afterwards”
  • “One in six have been subjected to death threats, and 52% have heard homophobic comments from teachers and school staff”

(source: https://www.Diversityrolemodels.Org ) 

Kaleidoscope Trust:

  • “In over 78 countries across the globe lesbian, gay, bisexual and transgender people face the possibility of imprisonment, attack or even death”
  • “In these countries, more than half of which belong to the commonwealth, laws exist that can be used to prosecute people because of their sexual orientation or gender identity”

(source: http://kaleidoscopetrust.Com )


  • “Concealing sexual orientation at work reduces productivity by up to 30%. People who have ‘come out’ in supportive workplaces are more creative, loyal and productive” –  stonewall (source:http://www.Lgbtinsurancenetwork.Co.Uk/resources/)
  • “In the UK treasury actuaries identify that 3.7 million people in Britain are lesbian, gay or bisexual. Businesses that get their marketing and communications strategy right can win the loyalty of lesbian, gay and bisexual consumers” – Pride, Brighton and Hove booklet”
  • “6% or 3.6 million of the UK identify as LGBT according to official government figures – Pride, Brighton and Hove booklet”