a Birdie on a Wire
Active member
- Joined
- Jan 1, 2021
- Messages
- 29
- Gender Pronouns
- She, Her, Hers, Herself
- Gender Identity
- Nonbinary
I'm so upset and so angry... even a day later.
I got word from the THIRD insurance company I've applied to that I was denied coverage.
Prior to transition I was the picture of health. Was?... I still am! (well, except for being about 20lbs overweight now. thanks covid!) Every year for my annual wellness exam, my bloodwork came back fine. For five decades I've been fine. As a very physically active person who has the good fortune to be able to afford to eat relatively well and not be predisposed to any health afflictions, I've been more than fine.
But yesterday I called the insurance company that is handling my application and the underwriter said I had been denied coverage until "my transition was complete and a full evaluation had been done." After that the company would consider me after I applied all over again. I was furious! I asked, "What does that even mean? What is the criteria for the phrase "transition complete"? From there started a conversation that was destined to be circular.
She said that because I was relative new to transitioning and my doctor, who I have since broke up with, said "we are still trying to stabilize hormone levels and dosage." that was the main reason.
I'm so upset. I desperately need a life insurance policy because my business partner and I have drafted a buy/sell agreement. In the event one of us dies, the other would buy out the surviving spouse from the death benefit of the policy. This has been going on for about four months and he's getting really antsy about and wondering why it is that I got denied by the first insurance company. I didn't tell him about the second one. I'm not out to him and don't intend on telling him. Because the fact of the matter is he is in absolutely terrible shape has some health issues, eats like shit, doesn't exercise and I'm certain he'll die well before me!
Ugh... I'm sorry. I'm ranting now.
Purpose of this post is to ask if anyone here has purchased life insurance after transition or if you know of a company that might be will to insure a trans person.
If you got this far thanks for reading.
~ Wren
I got word from the THIRD insurance company I've applied to that I was denied coverage.
Prior to transition I was the picture of health. Was?... I still am! (well, except for being about 20lbs overweight now. thanks covid!) Every year for my annual wellness exam, my bloodwork came back fine. For five decades I've been fine. As a very physically active person who has the good fortune to be able to afford to eat relatively well and not be predisposed to any health afflictions, I've been more than fine.
But yesterday I called the insurance company that is handling my application and the underwriter said I had been denied coverage until "my transition was complete and a full evaluation had been done." After that the company would consider me after I applied all over again. I was furious! I asked, "What does that even mean? What is the criteria for the phrase "transition complete"? From there started a conversation that was destined to be circular.
She said that because I was relative new to transitioning and my doctor, who I have since broke up with, said "we are still trying to stabilize hormone levels and dosage." that was the main reason.
I'm so upset. I desperately need a life insurance policy because my business partner and I have drafted a buy/sell agreement. In the event one of us dies, the other would buy out the surviving spouse from the death benefit of the policy. This has been going on for about four months and he's getting really antsy about and wondering why it is that I got denied by the first insurance company. I didn't tell him about the second one. I'm not out to him and don't intend on telling him. Because the fact of the matter is he is in absolutely terrible shape has some health issues, eats like shit, doesn't exercise and I'm certain he'll die well before me!
Ugh... I'm sorry. I'm ranting now.
Purpose of this post is to ask if anyone here has purchased life insurance after transition or if you know of a company that might be will to insure a trans person.
If you got this far thanks for reading.
~ Wren