Life insurance is more expensive for men than women, but why do life insurance companies charge men higher premiums? It might not sound fair but there are reasons why this is true.So, let’s look at these reasons in more detail.Here are the top 4 reasons why men can expect to pay more for life insurance: Men Have a Lower Life Expectancy Than WomenMen Generally Have Riskier Lifestyles Women Are Healthier Than Men on AverageMen Tend to Have More Dangerous OccupationsCompare Quotes Now! Men Have a Lower Life Expectancy Than Women One of the basic means in how life insurance companies rate an individual is based on their overall life expectancy base on the questions life insurance companies ask you.

These use what are known as mortality tables to determine this simple but well known fact.  It is a simple truth that on average women live longer than men.Currently, the average life expectancy for a male in the U.S.is 76.3 years of age while for a female the average life expectancy is 81.1 years of age.

This is almost a 5 year difference.Males also experience a higher premature death rate in their adolescent, young adult and middle aged years of life than women.RELATED: 5 Critical Tips You Must Know Before Buying Life Insurance In fact, of the 15 top causes of death in the U.S., the death statistics for males in 12 of these causes of death is higher for men.

Males are more than 4 times more likely to die from unintentional injury, suicide and from incidents of homicide than women.Consequently, since a male lives a shorter life span than a female, they will pay life insurance premiums for a shorter period of time than a woman who is paying for the same amount of life insurance.Pre-existing health conditions? AIG Direct specializes in insuring people just like you.

From high blood pressure to diabetes, AIG Direct has seen it all and since they have access to multiple companies, they can find you the absolute lowest rates! Click below to see if you qualify.FREE AIG DIRECT QUOTE Quotes are quick, easy, and free! Men Make Risky Lifestyle Choices Men generally tend to have a much riskier lifestyle than women.All you have to do is look at automobile accident statistics and you will see that males have a much higher accident and fatality rate than women.

Young males especially also seem to engage on average in much riskier activities than women.Activities such as contact sports, many forms of racing activities such as auto and motorcycle racing, and other similar activities often result in higher mortality rates for men than women who tend on average to engage in less dangerous hobbies and sporting activities.Males also tend to take more risks in their activities than women do which results in a higher rate of both injury and premature death.

RELATED: Check Sample Life Insurance Rates by Age (No Personal Info Required) Women Are Healthier Than Men Women tend to live and have a healthier lifestyle than men.Males drink much more alcohol than women which results in liver, kidney and heart disease.Men are twice as likely to die from cirrhosis and chronic liver disease than women.

Also, men tend to eat less healthy and have a diet that consists of consuming high cholesterol foods, and eat more meat which is also high in cholesterol.Men tend to develop heart disease much earlier in life than women as men often develop cardiac disease in their middle years and women tend to develop cardiac disease later on in life.Skip the Needles! Want to take the “pain” out of life insurance? We don’t blame you! Bestow is one of our top recommended no-exam companies offering 10 and 20 year plans up to age 55.

See if you qualify for “no exam” today.FREE NO EXAM QUOTE Quotes are quick, easy, and free! Men Have More Dangerous Occupations Males tend to gravitate to occupations which are more physically demanding and riskier in nature.Occupations in the areas of transportation, forestry and logging, fishing, mining, heavy equipment operation, and other related industries are still predominately performed in the majority by males.

These types of occupations result in much higher rates of serious injury and premature deaths due to the dangerous nature of these types of professions.All you have to do is take a quick tour of the CDC (Center for Disease Control) and review OSHA (Occupational Safety and Health) statistics to understand the grim reality of the death statistics.CHECK EXACT LIFE INSURANCE RATES The statistics say it all when it comes to why men pay more for life insurance than women.

Although the mortality gap has narrowed slightly, as long as males continue to take more risks with their how they live their lifestyle, their work and hobbies, if you are a male than you can expect to continue to pay more for life insurance.However, affordable life insurance is still available for men, you just need to find the best policy and provider for your needs.We have researched dozens of the best life insurance companies so you are assured we will find the right policy at the most affordable rates.

If you have health concerns, don’t let that dissuade you because we specialize in life insurance with health conditions, and can give you valuable advice and help you to find a policy that suits you.Whatever your needs or questions then please call me direct at 888-603-2876.Find Out If You Qualify for Special Rate Life Insurance Health IQ offers exclusive active lifestyle discounts.

You may qualify if you are an active runner, cyclist, yogi, vegetarian, swimmer, or other.Find out how much you can save! FREE HEALTH IQ QUOTE Quotes are quick, easy, and free! *While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day.Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice.

Please consult your own legal or tax adviser.