Description: A Discussion of why female mortality is higher than male mortality at higher ages.

Description: This article is a discussion of a study released in June 1976 by the New York Insurance Department, entitled “Disability Income Insurance – Cost Differentials between Men and Women.” The author of this article notes that “due to charges by various groups of discrimination in the underwriting and establishing of premium rates for individual disability income insurance, the results of this study have been eagerly awaited by many segments of the insurance industry. Fears of substantiating uni-sex rates were unfounded as the results of the study generally conformed to those of the Society of Actuaries which the industry has relied on to a great extent in the past.”