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Refresher: Why Are Group Insurance Rates Unisex?

Refresher: Why Are Group Insurance Rates Unisex? Those of us who work in group insurance are accustomed to seeing unisex rates on insurance products offered at the workplace. Whether it is life insurance, disability insurance, health insurance, annuities, or other ancillary products, the premium rates are typically unisex. This is different than insurance products marketed to individuals outside of the workplace, where rates are frequently sex-distinct. Veterans of the group insurance world who have worked in the industry since the late 1970s and early 1980s may remember how this came to be, but for others this article provides a brief history lesson. For most products in the group...

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