`Vive La Difference,' Say Disability Insurers

Disability coverage is one of the few kinds of in-surance that offers unisex rates on premiums. Life in-surance costs less for females because they live seven years longer than males, on average. And auto insurance costs young men more than young women because men are twice as likely to die in a car crash. Now, disability insurers are joining the crowd with gender-based rates that will raise women's costs and lower men's.

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