How Gender Affects My Quote

In most business and social atmospheres, discriminating based on gender is very inappropriate. In the life insurance world, however, your gender can play a very large role in your cost of insurance.

Because the premiums in life insurance are based on your life expectancy, life insurance companies will always consider your gender during their underwriting process as they determine your cost of insurance.

The life expectancy for a woman is longer than that of a man. Because of this, life insurance companies will generally offer lower premiums to a woman than they will to a man for the same amount of insurance and length of coverage. Because men tend to have shorter life spans than women, they will generally pay more.