Being a woman comes with a certain amount of risk. Historically, insurance companies considered gender a risk factor before laws in the European Union and some U.S. states prohibited providers from factoring in gender when setting premiums.
But disparities remain, with some studies showing that women are less likely to have coverage or pay more for life or health insurance. “The fact is that women are both overexposed to certain risks and under-protected,” said Ulrike Decoene, head of communication, brand and corporate responsibility at global insurance company AXA Group.
AXA’s
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