Practical Protection Podcast: Gender identity

Kathryn Knowles | Cura
26th July 2021
Kathryn Knowles Cura

Hi everyone. Last week I was joined by co-host Roy McLoughlin and we talked about objection handling. I hope it gave you an insight into how best to deal with these situations. Were there any objections we didn't mention that you’ve ever come across when advising? It would be really interesting to find out. We always welcome your feedback or if you have any suggestions for future episode discussions, please do get in touch.

I have Matt Rann back with me, fresh from his holiday in Madeira. I am a tad jealous, but I imagine many of you, like me, have had absolutely glorious weather this weekend, so I’m not feeling too bitter about missing out on the sun.

Matt is joining me to chat about accessing insurance when someone is transgender. As with many things, the insurance world has made clear growth in it’s approach to gender, how insurance is underwriten and the applicaion process for people that are transgender. It’s not yet perfect, but it has much improved over the years.

There are approximately 600,000 people that are transgender or non-binary within the UK, making it likely that advisers and insurers will come across this demographic at some point. Although transgender is not a mental health condition, in an insurance application form you may end up having to answer questions as if it is. We offer guidance on how to best talk through this with your clients and how not to always assume someone's gender identity.

I also share a case study, detailing a life insurance and income protection policy for a transgender man.

You can listen to the episode at

I have Roy McLoughlin and Jo Elphick from Legal & General joining me for the next episode. We will be chatting about income protection, group insurance and some research that shows the differences in how men and women approach these areas.

If you want to know more about how to arrange protection insurance, take a look at my new Protection Insurance in Practice course here.

Don’t forget to claim your CPD certificate here once you have listened to this episode:

Our certificates are accredited by CPD UK, through our sponsor Octo Members.

Please don’t worry if your work systems are not keen on the CPD form (it’s a Google form). Contact me on social media or through the website and I will be able to issue the certificate directly to you.

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