May 2013 Polling Results
May 31, 2013
So SPLC, When Are You Going To Declare The TERF’s A Hate Group?
June 2, 2013

Ask Matt: Life Insurance for Trans People

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!

  • I know this post was made in 2013, however I am going to be working on a post about this exact issue and I will link to it here with my findings or just reach out to the owner of the site with some information.

    Best regards,

    JC At Simply Insurance

  • Stats that I’ve seen (but have fallen down the memory hole for some odd reason) are an estimated 3 year loss in life expectancy compared to cis people of similar birth assignment (which sort of belies the life-expectancy-gap-as-endocrinology argument)

  • It might be prudent to find out who pays more, men or women, and sign up as the gender that pays more. Then you can’t be accused of trying to get cover without fully paying.

    I did this with my health insurance, and found out that they did not discriminate on the basis of sex/gender, so I went ahead and put myself down as female.

    This is obviously an area that will eventually require some legislation to ensure that trans people are never falsely accused of fraud.

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