Gender identity

If you have undergone gender affirming procedures and have legally completed your transition to a different gender, please let us know and we will assess your application based on your affirmed gender.

If you have updated your birth certificate or other legal documentation to your affirmed name and gender, complete your application based on your legally affirmed gender. If you have not done this, complete your application based on your sex at birth.

If you are an existing TAL customer who has undergone gender affirming procedures, you will need to call us and update your gender on your policy. We will require proof of your affirmed name and gender, for example your passport or birth certificate.

This will depend on the individual situation. If you are on gender-affirming hormones or have recently had gender affirming surgery, this will be taken into account in assessing your application. However, we also consider many other factors when determining your premiums, such as your age, family medical history, occupation, risk-taking hobbies or activities, body mass index (BMI) and medical history.

Each situation is unique, and each individual is assessed on a case-by-case basis so we can offer you a fair quote that suits your needs.

If you would like to understand your cover options better, we can help you navigate the application process and obtain cover to suit your needs.

Here are some useful resources if you need support regarding your gender identity:

QLife offers you the option to chat with a volunteer LGBTIQA+ counsellor over the phone or through web chat daily from 3pm to midnight (for all ages).

A Gender Agenda is a unique community organisation actively engaged in increasing public awareness and understanding of intersex, trans and gender diversity issues.