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Transgender Life Insurance

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Transgender life insurance, critical illness cover and income protection

The Insurance Surgery specialises in helping people who are classed as non-standard by insurance underwriters to get cover which also can include Transgender life insurance, critical illness cover and income protection. You may think that undergoing gender reassignment treatment should not or would not be classed as non-standard when it comes to applying for life insurance, critical illness cover or income protection which can be true if there are no issues from the surgery and if there has been a good period of time since you went through your treatment. It can be seen to be a bit of a nightmare from the point of view of political correctness as well which is why insurance providers can sometimes differ in terms of any potential issues.

In this area of our website we consider the impact of being Transgender for life insurance, critical illness cover and income protection to explain the potential issues from an underwriting perspective. There are enough things to think about when going through gender reassignment so we aim to make your application process for life insurance, critical illness cover and income protection as simple as possible.

Connected issues to Transgender for underwriting:

  • Anxiety
  • Depression
  • Stress

Most of the possible issues from an underwriting perspective are connected to mental health which will be where most information should be required to ensure that there are no additional medical complications.

How Transgender life insurance, critical illness cover and income protection works:

There will usually be a question regarding whether you have undergone any other surgery within the past 5 years on most applications for life insurance or whether you have anything else to disclose which is where you should declare:

  • Date of surgery
  • Any complications
  • Other medical issues (e.g. mental health)
  • Health (e.g. BMI, Alcohol intake etc.)
  • Smoker status

If you need any further help or guidance to get a competitive quote for Transgender life insurance, critical illness cover and income protection then you can contact one of our team of experts on 0800 083 2829.

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Transgender life insurance

You should be aware that there generally will be no problem in getting a policy for Transgender life insurance in the vast majority of cases. There will be a requirement to disclose this information on your application form where you are asked and to provide further details as requested. As long as there are no other health issues and your situation is good then you should be able to get cover for Transgender life insurance at standard rates with no need for a medical report to be provided.

Premiums for Transgender life insurance will depend on:

  • How old were you when you had surgery
  • Do you have any other surgery planned
  • Have you taken medication or are you still taking medication
  • Do you have any other medical issues

For more information about Transgender life insurance or to discuss your own personal circumstances with a trained expert then you should contact one of our team of advisers to find out more.

 

Transgender critical illness cover

There should also not be an issue in applying for Transgender critical illness cover as with life insurance so the main point will be where to disclose your surgery and what details you need to provide. As with any application for critical illness cover, the application will require you to provide different information from one insurance provider to another or the way in which questions are asked may differ. You should make sure that you provide all information as requested on your application form even though it may seem personal or may be difficult in some cases. Our team of trained advisers are used to dealing with various types of individual circumstances so we will make sure that we are sympathetic to your needs.

 

Transgender income protection

As with other types of cover, Transgender income protection applications should be fairly straight forward in the sense that it should not cause too many issues for you for underwriting. If there have been complications during surgery which has caused long term damage or if you are suffering from mental health issues which are impacting your work then there could be possible implications depending on your situation.


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For more information or advice to get a competitive quote for Transgender life insurance, critical illness cover and income protection then you should call one of our team of experts on 0800 083 2829.

 

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