Why Is Life Insurance More Expensive For Males?

  1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    For some reason (scientist and sociologists will say for a number of reasons), the life expectancy for females is longer than for males. Since life insurance premiums are based on actuarial tables and the probability of death at different ages, the cost of life insurance for males is more expensive than for females of the same age.
    Answered on May 5, 2013
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  2. 10968 POINTS
    Tim Wilhoit
    Owner, Your Friend 4 Life, Brentwood TN
    It has to do with mortality rates. Statistically, women live longer than men. My theory after 25 years of marriage is that women drive us to an early grave, but that is just my observation. Men do have a tendency to not see their doctors on a regular basis, take more physical risks and endure more occupational stress than our female counter parts. Buy life insurance and godspeed sir!
    Answered on December 22, 2014
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