In Canada, pension, retirement, child-care credits, and so on, are gender neutral. I do not know, though, about commercial life insurance pricing or about car insurance pricing.
Celeste, as best I know, there is no national policy in Canada as to the requirements for changing legal gender. Passports depend upon provincial status, and provincial policies differ. Changes must be done through province of residence (if one has resided there for more than 3 months), and not through province of birth. Ontario has the most generous policy; if I recall correctly, Quebec has the least. Ontario changed in response to a human rights complaint that was decided at the Ontario level and so is not binding upon the other provinces.
