Ask Matt: Life Insurance for Trans People

Download PDF

A reader writes:

“I’m curious if, as a trans woman, I would be considered ‘higher risk’ with regard to life insurance than a non-trans woman, or would be expected to calculate my risks/premiums as male rather than female.

“And if I were to die suddenly, could my policy be nullified because of some trans-specific loophole that allowed the insurance company to claim fraud?

“I know I should call an insurance agency to ask these questions, but I’m trying to see what’s already known in the community first; cold-calling companies to ask about their trans policies tends to be quite the headache, what with the awkward silences, the long hold times, and the endless phone tag follow-up (I’ve experienced similar confused responses when asking companies about other matters of transgender “policy”).

“I was hoping you’ve encountered this issue already or know someone who can point me in the right direction with my questions.”

This is definitely a question for the readers, as I know nothing about life insurance. I have no one to leave anything to (and nothing to leave if I did). There must be quite a few readers out there who have life insurance policies, and I’ve probably even got some insurance experts as readers, so I hope that someone can shed some light on this.

Anyone out there have any thoughts or experience? Thanks in advance!

[alert type=”info”]Cross-posted from Tranifesto[/alert]


  1. Pingback: Autumn Sandeen (@AutumnSandeen) June 1, 2013
  2. Correctrix June 1, 2013
  3. Valerie Keefe July 6, 2013

Add Comment

The New York Magazine lies to parents about trans children

Jesse Singal, Senior Editor at, has enlisted his New York...

BREAKING: due to Target’s trans policy, voyeur accessed women’s changing room?

A case of voyeurism that has gripped the media was initially reported on...

The media is lying about why NC is being sued

By Cristan Williams @cristanwilliams Almost without exception, all news stories covering...

What the US Attorney General actually said about trans people & fighting NC in court

On Monday, May 9th, the United States Attorney General, Loretta Lynch...

The Politics of Transphobia

Bathroom Bills & The Dialectic of Oppression From the KKK to...

Is Sadism Popular With TERFs? A Chat With An Ex-Gendercrit

BY Rani Baker @destroyed4com4t Let’s get this out of the way: deep...

EEOC Commissioner: “Contrary state or local laws provide no defense to an employer that violates Title VII”

Recently in BuzzFeed in the article Feds “Ready” For Transgender Discrimination...

Study: Trans kid’s gender implicit; govt report condemns conversion therapy

A recent study found that the gender identity of trans children...

In Memory of Terri Williams Moore (1941–1976)

A trans historian considers the backwards progress of the way media...

[Updated] Predatory publishers and their dupes

While it’s well and good to call out those who denigrate trans...

The NY Times goes concern trolling

On August 22, 2015 the NY Times ran an article by Richard...

So, someone called you a TERF. Now what?

There are many things possible in the universe. If you are...