Ask Matt: Life Insurance for Trans People

June 1, 2013 ·

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]

In categories:Advice Matt Kailey
Tags:
Next Post

Ask Matt: What Am I? Labels and Identities

Today we have two letters about identity that I thought went together quite well. So here goes: A reader writes: “I consider myself transgender – I was born female, but feel very much that the concept of ‘womanhood’ does not…
Read
Previous Post

Ask Matt: Do I Owe My Parents Grandchildren?

A reader writes: “I am a 24-year-old transgender girl. I started transition about a year and a half ago, with one month in between where I had major doubts and confusion about my life. “I have asked myself, am I…
Read
Random Post

Revisiting 'the fallacy of cis privilege, again.'

I've noticed that TERFs tend to lie. Like, a lot. As in, metric tons of BS. TERFs far and wide are currently gnashing their collective teeth over the reality that their hate-fest conference (#RadFem2013) was booted from its venue for the second…
Read
Random Post

“J’Accuse”

"J'Accuse" One of the more recent developments in the struggle for Gay and Lesbian Rights has been the overt opposition of the African Anglican Church, the so-called "Global South" toward our ambitions. Conervative Episcopal Bishop after Bishop in the United…
Read
Random Post

I’ve Always Wanted To Be A “Real Woman”

Now, I can be a "real woman," no surgery needed! I just need to move to Canada! Real Women don't support fags!
Read
Random Post

Of Turd Polishing and Lies

Today I found that I was the subject of another Dana Lane Taylor commentary. Dana is an opinion leader in the TS Separatist group and in this post she claims that I am trying to force her and those like…
Read