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Life Insurance

Life Insurance for people with gender dysphoria should be available at standard terms with most insurance providers. Recent changes to the law mean that insurance providers must provide the same premium pricing for both males and females. For transgender individuals this means that you can apply for Life Insurance as male or female depending upon your gender identity and not your biological sex. If you are due to undergo surgery in the near future the insurer may postpone the start date of your Life Insurance until after the operation.

Get a Life Insurance Quote

Critical Illness Cover

Critical Illness Cover for people who are transgender may also be available at standard terms with many insurers. Provided that you are fully recovered from any surgery that has been performed and/or have not had any adverse reactions to hormone therapy, Critical Illness Cover for those with gender dysphoria should be accepted at normal terms. For those who are awaiting any form of surgery in the near future the insurance provider will likely delay the application for Critical Illness Cover until after you have fully recuperated.

Get a Critical Illness Cover Quote

Income Protection

Income Protection for people with gender dysphoria may be available at normal terms. The insurer will want to know if you have had any time off work due to the condition for any reason. If you are in good health and have had no complications following surgery or hormone therapy then it is likely that you will be able to secure Income Protection at standard terms.

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Some potential problems experienced by individuals who are transgender include:

  • Social withdrawal
  • Reluctance to take part in gender specific activities
  • Self harm

Medications and Treatments

  • Bilateral mastectomy
  • Breast implants
  • Clitoroplasty
  • Counselling
  • Facial feminisation surgery
  • Gender reassignment surgery
  • Gonadotrophin-Releasing Hormone (GnRH)
  • Hormone therapy
  • Hysterectomy
  • Orchidectomy
  • Penectomy
  • Penile implant
  • Phalloplasty or metoidioplasty
  • Salpingo-oophorectomy
  • Scrotoplasty
  • Social Gender Role Transition (SGRT)
  • Vaginoplasty
  • Vulvoplasty

For more information on specific health conditions, pastimes, occupations and countries please select here:

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Transgender individuals are people who feel that they are the opposite gender to that which they have physically developed; gender identity versus biological sex. A person who has these feelings may choose to try and ignore them, live as the opposite gender or undergo an operation to physically transition to the opposite sex. It is possible that when a child is born with both male and female genitalia that the parents choice of the child's gender may differ to the child's gender identity, which will not necessarily be known until early adulthood. Being a transsexual does not have any bearing upon the individuals sexual orientation.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research