Is Life Insurance Cheaper For Women? 
Life insurance is cheaper for women if comparing the same rating class of each sex . The older the person is , and the longer the guaranteed coverage period lasts , the bigger the price discrepancy . That is because men die at a younger age than women , on average . If the woman has a health condition , or is overweight or underweight , smokes , or has some other risk factor to bump her into a higher rate class than a man of the same age , her rate can be higher than his . Just being a woman does not automatically mean she will pay a cheaper price than a man . 