Next time you approach a life insurers, you might be asked if you ever had sex with a prostitute or as one.

This has made the Privacy Commission raise an eye brow as these are personal questions and if any body has to complain regarding this can approach the privacy commissioner.

BNZ bank and AMP insurance are the companies, which ask about their clients' sexual behavior with prostitutes and those that do not do this include Westpac, Kiwibank and AA Life.

AMP chief underwriter Geoff Dyer when asked about the motive of doing so said that it was necessary to figure out that do people who are applying for insurance know about being exposed to HIV.

This particular question has been appearing in the form since 2004 Dyer said that a similar question had been asked since Aids and HIV were identified as major health issues.

He added, "We ask this question as people who are in what is considered at risk sexual practices are at greater risk of acquiring HIV/AIDS than those that aren't."

Other questions that are being prompted by life insurance companies are if a person ever had a sexually transmitted disease, a bowel polyp, raised cholesterol or has ever attempted a suicide.