Protection insurance is an umbrella term typically used to describe insurances that provide cover for you and your loved ones in the event of your death or illness, such as life insurance, income protection and critical illness insurance. You can find more information here.

Transgender people can find protection insurance difficult. Getting the right cover means shopping around for a suitable company and policy.

Life insurance companies have different approaches to their application, some will want you to tell them your assigned gender, and others will want you to tell them your correct gender. Unfortunately, insurers still ask if you're male or female.

I will listen to you and no matter what stage you are, in your transition, will find you the right insurance and take you through the process.

Things I need to know:

• Do you have a gender recognition certificate?
• Are you planning gender reassignment surgery?
• Do you take hormone replacement therapy?
• Have you spoken to a counsellor or psychiatrist?

I have had conversations with some insurers to make their applications more user-friendly. In the meantime, I can't change the insurer's systems, but what I can do is ask you questions in a respectful way, save you from having to do your research, and use your preferred name and pronouns.

You don't need to have any background information or know any details of what you might need. I'm here to advise you on everything from how much cover you need, to filling in a trust form (a form that makes sure your life insurance payment goes to who you want, quickly and tax efficiently).

I know that this might not make you feel supported, and we do appreciate that it could cause a negative feeling towards applying for insurance. Whilst I cannot change insurers' systems, I will make a note of your true gender and use your pronouns so that it's as easy as possible for you.

If you are planning to undergo surgical gender reassignment, the insurer may postpone your Life Insurance application until after this occurs. If that’s the case, I will let you know.

Ready to book into my calendar?

The levels and bases of taxation and reliefs from taxation can change at any time. Tax relief is dependent on individual circumstances.

Trusts are not regulated by the Financial Conduct Authority.