[Blog/Commentary] [USA] Ask Matt: Life Insurance for Trans People

[Stephanie Stevens]

Matt Kailey, USA


Ask Matt: Life Insurance for Trans People

May 20, 2013 by Matt Kailey


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!


http://tranifesto.com/2013/05/20/ask-matt-life-insurance-for-trans-people/