Do Policies Charge Different Rates Based On Gender? Geographic Location?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Statistics show that women live longer and tend to have more disabilities, so rates for women are generally higher.

While geographic area is not a major determinant of disability risk, it does have some effect. For example, if you live in an area of extreme weather conditions, or a remote area where there are few doctors and hospitals, you may pay somewhat higher premiums. If you live outside the United States and Canada, there may be difficulty getting disability coverage from U.S. companies. Check with the insurance company to be certain what is available.

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