Why Is Life Insurance Cheaper For Women? 
Life insurance is cheaper for women because statistics over time have proven women as a group tend to live longer than males as a group . Pricing is lower because `` risk '' is spread out over a longer period of time . In a reverse , women cost more for health insurance -LRB- where it 's allowed -RRB- because they are bigger users of healthcare than men . Maybe the reason women live longer . 