If you've been thinking about getting life insurance, you may be shocked at the differences in premiums for men and women...and smokers. 

   An InsuranceQuotes.com survey finds men Pay 38% more than women.

   Smokers pay 235% more than non-smokers.

    And the gap gets bigger with age.  25-year-old men pay 25% more than 25-year-old women for the same policy. 

     By age 45, men pay 32% more than women, and at age 65, the gap grows to 40%.

     Another example, a non-smoking 45-year-old female pays $45 per month for $500,000 coverage.

     A 45-year-old female smoker pays $167 per month. 

    Read more at insuranceQuotes.com


Photo credit: PATRICK LIN / 2009 AFP