anything that depends on actuarial data is going to inherently be inaccurate or non-representational for trans folks.
My spouse and I are finding, as we are both trans, going in opposite directions, that nobody really knows. The current data shows were are trading to the other genders risk factors, but insurance, life insurance, and anything else that uses actuary data just aren’t sure. Every time I have to deal with the cross section of medical and gender, it’s a coin toss. Not a lot of studies have been done on us, and certainly nothing in depth.
