1. why do life insurance companies often charge different rates for males and females? . 2. who pays more by age, male or female, and why do you think this is so?

1. This is because women have longer life expectancy. 

2. Men pay more as they age. Majority of mortality rates apply to men, because by statistics alone, men get into more trouble than women. This is why they tend to pay more, especially when they age.