A man's world?

Contrary to the old adage, we no longer live 'in a man's world', especially now that life expectancy favours women, who generally receive better life insurance rates. Although, on the down side, this means that as they are statistically more likely to claim on protection products throughout their lives, they are made to pay more than their male counterparts for critical illness and income protection (IP) cover. As well as the obvious differences in underwriting protection products for men and women, intricacies exist in male health and behaviour which present challenges for advisers when...