In the process of buying insurance, because male and female physical characteristics of some natural differences between men and women may be faced with insurance rates, insurance coverage differences. At the same time that men and women in the family, take different roles in society, men and women insured financial plan also vary. Many men and women are born with differences in the way financial management is also slightly different characteristics. Even in an insurance policy, sometimes there are other differences between male and female.
Men buy car insurance cheaper insurance this issue in addition to the insured age, occupation, health status will affect insurance rates, the insurance company will sometimes see your gender.
The most obvious example comes from the savings-based car insurance annuity insurance products, especially cars. Typically, the same age, driving status of the property of the “standard body” (the majority of policyholders are “standard body” that is not required in a type of insurance products, rates on the basis of an additional rate increases are) in male and female, the same type of car insurance annuity insurance products, especially cars, will be cheaper to buy men, while women are relatively slightly more expensive to buy.
Our cars annuity, for example, 20-year-old male health insurance 200 000 $ coverage, select the premium to 45 years of age, and receive cars from the age of 45 annuity, the annual premium for the 4587 $. Similarly, the 25-year-old healthy woman $ 100,000 insurance limit, select the premium to 45 years of age, and cars from the age of 45 receive pension, the annual premium will need to 7852 $. In the insurance options, other things being equal, a woman just because of gender factors, each year more than men have to pay nearly $ 1542, men were clearly more expensive to buy.
Choose to pay premiums in 20 years, and cars from the age of 45 receive pension, the annual premium required to pay $ 4526, insured under the same conditions, women do need to pay premiums on $ 8,956, men $ 300 cheaper than women, which because the two groups of men and women, life expectancy is different. Generally speaking, women groups, the average life expectancy longer than men, popular spots, said that insurance companies through a large number of data acquisition and analysis concluded that women tend to live several years longer than men.
Therefore, if a particular car auto insurance annuity products, insurance age age of women than men receive more than a few years is likely, which is the relative increase in the burden of insurance companies. Therefore, car insurance products, insurance companies are more willing to point discount to the men, and charge higher rates to women.
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