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Transcript for the CuraVision Transgender video is available here.

Please see our video case study of a transsexual client we arranged life insurance and income protection for here.

Transgender Life Insurance

Life Insurance for transgender people should be available at standard terms with most insurance providers. Changes to the law in 2012 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; where gender recognition certificates or official name changes have been obtained. If you are planning to undergo surgical gender reassignment, it is likely that the insurer will postpone. Your Life Insurance application until after this occurs.

Get a Life Insurance Quote

Transgender Critical Illness Cover

Critical Illness Cover for people who are transgender can also be available at standard terms with many insurers. The insurer will want to know if you have seen a psychiatrist about your transgender identity, if you take any medication or are planning gender reassignment surgery. Being transgender does not place you at a higher risk of making a claim on the the policy, so you should be offered this policy at normal terms, provided that you have no other risk factors. For those who are awaiting any form of surgery in the near future the insurance provider will generally delay the application for Critical Illness Cover, until after you have fully recuperated.

Get a Critical Illness Cover Quote

Transgender Income Protection

Income Protection for transgender individuals will generally be available at normal terms. The insurer will want to know if you have had any time off work due to medical reasons in the past. Insurers treat men and women equally when it comes to the pricing if Income Protection policies, so being transgender in itself, will not affect the terms that you are offered. If you are in good health, it is likely that you will be able to secure Income Protection at standard terms.

Get an Income Protection Quote

Transgender Travel Insurance

Are you planning on a holiday? Take a look at our dedicated travel insurance page for details of a specialist broker, who can help you obtain travel insurance, here.

Some potential problems experienced by individuals who are transgender include:

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

Transgender 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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Talk to a Friendly Adviser

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 transgender does not have any bearing upon an 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