Why Does Life Insurance Cost More For Men? 
Life insurance costs more for men simply because men die sooner than women on average , according to actuarial tables . The difference in rates between men and women is not as much at younger ages and for short term insurance . It is in longer term and permanent policies , and policies purchased at an older age , where the price increases for men show up more . That is because the policy is insuring the male to an older age , and the chances of mortality are higher . 