2006-12-04 04:35:52 · 10 answers · asked by Anonymous in Politics & Government ➔ Law & Ethics
By definition, it is discrimination because when you discriminate you are seeing the differences between two things.
In this case, are you asking if it is wrong to treat a female non-smoker differently than a male smoker?
No, it is not wrong. The odds are that a male smoker is going to cost an insurance company more money (and sooner) than a female non-smoker.
If this is a health insurance company, then healthy people who don't need services are helping to pay for sick people's care. The more people the company can attract who will (most likely) be healthy and stay healthy, the better. A female non-smoker will actually be helping to pay for the male smoker's treatment as she will be putting in money and not seeing it back.
2006-12-04 05:02:12 · answer #1 · answered by bookmom 6 · 0⤊ 0⤋
A smoker pays more for life insurance than someone who is a non-smoker. Your comparison does not make sense even if men pay more than women.
Life Insurance (specially) ask many questions regarding if a person smokes, gender, age, health, any congenital conditions, etc. They base their rates on their life expectancy. A smoker is more likely to die sooner than a person who doesn't smoke.
2006-12-04 12:41:08 · answer #2 · answered by Erica, AKA Stretch 6 · 0⤊ 1⤋
No. Life Insurance rates are based on actuarial tables. Male smokers have a shorter life expectancy.
2006-12-04 12:38:46 · answer #3 · answered by Anonymous · 3⤊ 0⤋
Not when the actuaries have found that male smokers have more claims/risks than female non-smokers.
2006-12-04 12:50:04 · answer #4 · answered by boots&hank 5 · 1⤊ 0⤋
Nope. By smoking you are automatically in a high-risk group. And actually women smokers pay MORE than male smokers.
Stop smoking if you want a lower rate.
2006-12-04 12:39:50 · answer #5 · answered by Anonymous · 1⤊ 1⤋
It is!! A non-smoker could be doing other unhealthy things that he is not penalized for!!
2006-12-04 12:44:27 · answer #6 · answered by Anonymous · 1⤊ 0⤋
In some states it is and in some states its not a number of states have done away with gender influenced mortality tables, just in time for women to catch up with men.
2006-12-04 12:39:26 · answer #7 · answered by Huey from Ohio 4 · 0⤊ 1⤋
Probably not. Smoking kills your heart, and since men are more predisposed do heart issues, they would probably be more affected by smoking than females.
2006-12-04 12:39:19 · answer #8 · answered by Brian I 3 · 0⤊ 1⤋
Yes, it is discrimination, but it's not illegal discrimination.
2006-12-04 12:44:05 · answer #9 · answered by yahoohoo 6 · 0⤊ 1⤋
No.
2006-12-04 12:38:55 · answer #10 · answered by s6344 1 · 0⤊ 1⤋