Skip to main content
Adviser Centre

Gender Recognition Act 2004.

The Act provides transsexual people with legal recognition in their acquired gender. If a client applies to register a change of sex under the Act, they are issued with a full Gender Recognition Certificate, which will enable them to apply for a new birth certificate.


A transsexual is an individual who firmly believes they belong to the opposite sex to which they were born and who undergoes gender reassignment. Gender reassignment incorporates surgical sexual reassignment to make the external body conform to how an individual views their self.

Our underwriting approach

Current Stage of Gender ReassignmentDecision
Pre-operation PHR/GPR
Going through pre-surgical assessment at
time of application
Post-operation (<6 months since surgery) Postpone
Post-operation (>6 months since surgery) PHR/GPR
0370 333 3699


Monday to Friday 9.00am to 6.00pm.

(With the exception of Thursday's when they open at 9.30am)

We may record and monitor calls. Call charges will vary.



If you have any feedback on our Underwriting and Claims pages, whether it is something you cannot find or something that is missing then please contact us.

New to
Legal & General?

Why choose us?
What we can offer you and your clients.
Mobile phone
Doing business with us
How to access and register with us.
Hand on mouse
Guide to our online services
About our online systems and tools.