I just wrote an email summarizing my experience thus far with attempting to get life insurance, so I figured I’d also toss it up here. I wrote this email to a regional advocacy group, seeking advice in case they have seen experiences like this before. I first wrote about this issue back when it happened in the beginning of 2012.
I was wondering if you have had any experiences with transgendered persons being denied for life insurance for reasons related to their transition?
I transitioned female to male in 2009-2010. During my transition I completed a MS in physical chemistry and began teaching college-level science and technology courses full time. I saw a therapist regularly for nearly 2 years and participated in a FTM support group at the <place I’m not mentioning>. There were no complications from my top surgery and I am physically fit.
I applied for life insurance in October 2011. After a delay, State Farm’s underwriters denied my contract in December 2011 for the following reasons:
- I was within 1 year of my top surgery (January 2011)
- I had mentioned in therapy sessions that I might be getting a hysterectomy in the future
- My initial gender identity disorder diagnosis was accompanied by a mild depression diagnosis, which gave them cause for concern of a “suicide risk”. This diagnosis was removed by my therapist when I began hormones in March 2010 and was able to function fully.
- They were concerned I was not “well adjusted” or “functioning normally”.
I have decided that I do not desire a hysterectomy and am attempting to clarify their other items of contention. I had an appointment with another therapist at the <place I’m not going to mention> recently in an effort to show that I continue to “function normally”. I am concerned, however, that the underwriters may still pick and choose details from my medical file.
It took some time to get back to trying to get life insurance because it is so frustrating that I did nothing but help myself become mentally healthier for 2 years and the insurance company is holding that against me. As my wife and I continue our life together, it is important that I do have a life insurance policy.
If you have any advice or resources that might be helpful that would be much appreciated.
I have my emotional energy back and am determined to get life insurance taken care of before my 28th birthday (October this year).