Does genetic make up or lifestyle dictate female claims? Johanna Gornitzki takes a look at the trends in the protection and health insurance market
With two completely different sets of genes there is no mystery behind the fact that men and women tend to suffer from very different illnesses and mortality rates. The impact of lifestyles and medical advances on longevity has highlighted the need for insurers to not only look at genetics when setting premiums but also make sure they constantly monitor mortality trends. Men and women have always experienced different rates when applying for various insurance cover such as income protection (IP), critical illness (CI) and private medical insurance (PMI). This is because their claim trends ...
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