Transsexuals & Life Insurance

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Transsexuals & Life InsuranceLife Insurance for transsexuals can be available at normal terms with many insurance providers. Insurers will generally want to know when your gender reassignment surgery took place, any medication that you take and if there are any lasting complications from the surgery. Your Life Insurance application will also need to detail any counselling or psychiatric treatment that you have had pre and post operation. Being transsexual will not have any bearing upon your Life Insurance policy, provided that you are in good health and there are no other risk factors. Due to legal changes in 2012, insurers must now offer equal premium rates for men and women, which means that your gender will not affect the Life Insurance terms that you are offered.

Critical Illness Cover for people who are transsexual should also be available at standard terms. Your application will typically need to include details about any counselling you have received, hormone treatments you have taken, and when the surgery occurred. Being transsexual does not increase the risk of you claiming on the Critical Illness Cover, so normal terms should be available with most insurers.


Income Protection for transsexuals should be available at normal terms. The insurer you apply to for Income Protection will want to know if you have had any time off work due to your health. Depending on the time since you had gender reassignment surgery, time you took off work to have the operation and recover, will need to be detailed. Provided that there has been no lasting complications post surgery, and there are no other medical disclosures, being transsexual will not affect your Income Protection application with many insurers.



Are you going abroad? We work with a specialist broker who can help you to get travel insurance. Find out more here.

You can view a transcript for this CuraVision Gender Reassignment video here.

Please see our CuraVision Health Transgender video here.

What is Transsexuals

Transsexuals are people who have been born into a physical gender that they do not identify with, and have undergone gender reassignment surgery. Physically changing to the opposite gender is not a simple task and most people who take this step will have had to seek counselling, take hormone treatments, and live as the opposite gender for some time, to be certain that they want to change sex. Gender reassignment surgery can be a fulfilling experience, with the feeling that the physical body matches the person inside.

Also Known as: Gender dysphoria, transgenderism, gender identity disorder (GID), transgender

Linked with: Anxiety, depression

Possible Symptoms: Wanting to live as the opposite gender, feeling as if the physical body does not match the person inside, distress when puberty starts

Some potential problems experienced by individuals who are transsexuals include:

  • Social withdrawal
  • Acceptance of self
  • Adapting to life as the new gender
  • 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
Transsexuals & Life Insurance

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

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