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	<title>New answer on: Why Is Life Insurance Cheaper For Women?</title>

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		<title>By: David Pipes</title>

		<link>https://insurancelibrary.com/life-insurance/why-is-life-insurance-cheaper-for-women</link>

		<dc:creator>David Pipes</dc:creator>

		<pubDate>Thu, 29 May 2014 23:33:09 +0000</pubDate>

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		<description><![CDATA[There is a branch of mathematics called, actuarial science.  Actuaries pour through the records of millions of deaths and try to identify anything that makes a difference from average.  One of the early findings was that in a given year women were less likely to die than men.  That resulted in the rating that you now see.  There is some indication that the trend is towards less of a difference, however, only time will tell.   ]]></description>

		

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		<title>By: Larry Gilmore</title>

		<link>https://insurancelibrary.com/life-insurance/why-is-life-insurance-cheaper-for-women</link>

		<dc:creator>Larry Gilmore</dc:creator>

		<pubDate>Wed, 08 May 2013 14:27:15 +0000</pubDate>

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		<description><![CDATA[Life insurance is cheaper for women because statistics over time have proven women as a group tend to live longer than males as a group. Pricing is lower because &quot;risk&quot; is spread out over a longer period of time. In a reverse, women cost more for health insurance (where it&#039;s allowed) because they are bigger users of healthcare than men. Maybe the reason women live longer.]]></description>

		

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		<title>By: Jerry Vanderzanden, CLU, ChFC</title>

		<link>https://insurancelibrary.com/life-insurance/why-is-life-insurance-cheaper-for-women</link>

		<dc:creator>Jerry Vanderzanden, CLU, ChFC</dc:creator>

		<pubDate>Wed, 08 May 2013 12:22:56 +0000</pubDate>

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		<description><![CDATA[On average, women have a longer life expectancy. The longer one is expected to live, the less the life insurance rate will be based on a level premium paid for life.  

Insurance companies start with average rates based on gender, age and tobacco use and then underwrite individually to come up with a price based on those rates which may be better than average (preferred) or below average (substandard or rated).]]></description>

		

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