“Do Women Live Longer Than Men?” and Answers to other Other Life Insurance Questions

“Do Women Live Longer Than Men?” and Answers to other Other Life Insurance Questions

While many comedians will have clever answers as to why women live longer than men, the fact is they do. Worldwide, the average lifespan for women in 72 years old while men live to 70 years of age on average. In the United States that difference is a bit more dramatic. Women live to an average of 81.1 years of age with men living to 76.1 year old. This is why, on average, life insurance premiums for for women tend to be less than for men.

But gender is not the only aspect that impacts life insurance rates. Here are some answers to common life insurance questions.

Can I save on life insurance by quitting smoking?

Absolutely. You’ll not just save on the cost of cigarettes but those who have quit smoking can save hundreds of dollars annually on life insurance premiums, especially with policies of larger face amounts. Some companies offer increasing savings the longer you have quit smoking, with savings peaking out after five years when most will consider you a “non-smoker”.

When might my hobbies impact life insurance premiums?

Your premiums will be impacted by participating in risky hobbies that can include SCUBA diving, back-country skiing, mountain climbing, skydiving/hang gliding and motorsport racing. The reasons should be reasonably obvious.

Am I too Short for my Weight?

If you are, it will likely affect your life insurance rates. Body weight, build and BMI significantly impact mortality rates. If you are having trouble getting taller you may want to try losing weight instead.

Can comparing life insurance rates make a difference?

Absolutely. It is why working with an independent life insurance agent can make such a difference. Independent agents are not locked into just representing the products of one company. Instead, they have access to multiple companies and compare rates and coverage. This can result in rates that may be preferable for your specific situation.

If you are looking into life insurance, we invite you to contact one of our independent agents with your questions. Request a no-obligation quote. Should you like to proceed, we can help you secure the desired coverage. If you are unsure of your current coverage, connect with us for a free insurance review. We look forward to helping you get the most from your life insurance dollar.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Search All Blogs

Generic filters

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters

Read More Blogs

Unwrapping the Wiener: A Deep Dive into the History and Lore of the Hot Dog

Beyond the bun: Discover the surprising history, varieties, and enduring appeal of America’s favorite tubular treat.

The Untapped Power of Collaboration: Why Asking for Help Fuels Business Success

Stop going it alone! Discover how leveraging the expertise of others can relieve pressure and drive your business forward.

Navigating the Grandparenting Journey: Understanding Today’s Families

Grandparenting today: Learn key shifts in family dynamics to build stronger connections with your children and grandchildren.

Mapping Our Paths: The Fascinating Reasons Behind Our Road Networks

The story behind the asphalt: Explore the geographical, historical, and planning influences that shaped our modern road systems.

Neighborly Navigations: Resolving Disputes in Non-HOA Communities

No HOA, no problem? Learn how to navigate neighborly disputes effectively in communities without formal management.

Vintage Years of Vision: Four Times Hollywood Hit Cinematic Gold

Like fine wines, certain years in film history stand out for their exceptional quality and the enduring impact of the movies they produced. This article explores four such landmark years, presented chronologically, that many cinephiles consider to be among the greatest in cinematic history.

Green Means Growth: How Environmental Responsibility Can Boost Your Business

It might seem like a secondary concern when facing immediate business challenges, but embracing environmentally friendly practices can actually be a powerful strategy for improving sales, attracting top talent, strengthening your brand, and even saving money. This article explores the tangible benefits of going green for your company’s bottom line and long-term success.

The Forgotten Beauty: Unearthing the Story of the Volkswagen Karmann Ghia

Beyond the iconic Beetle and the groovy Microbus, Volkswagen produced a surprisingly elegant and often overlooked sports car: the Karmann Ghia. This article explores the history, design, and enduring appeal of this “poor man’s sportscar” that has become a sought-after collectible.

Peace of Mind at Home: Building Your Essential Supply Stockpile

Recent global events have highlighted the importance of being prepared for the unexpected. This article outlines key non-perishable food items and essential household supplies that every homeowner should keep on hand to ensure comfort, security, and resilience during unforeseen circumstances.

Faded Glory: Remembering the Sports That Once Ruled Our World

Remember when these sports were huge? Take a trip down memory lane with harness racing, bowling, boxing, and poker, and explore their shift in popularity.