If I were a broker, and a person calls and says they're gender "fluid", I'm ticking the male box. If you're undecided on what you think you are, and you can flip whenever you like, then I'll just file you under whatever has highest risk assessment for security sake. Sorry if you were born with a vagina, but you just screwed yourself in it.
Hell they should make a gender fluid category, and assess it the highest risk possible, like male and female combined. Like ok this guy is super likely to be a speed demon, and at the same time, she is likely to be inattentive and text while applying makeup and hit inanimate objects. They want to ride both sides of the fence, let them pay both sides of the insurance lmao. This logic could be applied in so many other ways lol.