I have heard that life insurance premiums for women are lower than the life insurance premiums for men? Is this true? And what is the reason for this?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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In most instances, women do usually have lower life insurance premiums than men. When this is not true, it is usually because there is an insurance regulation, company policy, or law that specifies otherwise.

The reason for the lower premiums is that statistics indicate that women tend to live longer than men. As a result, the probability of having to pay a death claim is lower for women at each age.

Insurance companies are therefore able charge women a lower premium than they must charge men for the same amount of life insurance protection.

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