I have spent a great deal of time in the life insurance industry. Pricing is a reflection of projected mortality in a group; in general, it depends on an individual company's own mortality experience but it is not unusual to see a pricing spike for young men that you don't see for young women in the early 20s to early 30s. Most people don't pay attention to it because at these ages, insurance is cheap, but it is due in part because young men tend to have a higher proclivity to take chances at that age - do things like drive very aggressively.

The cost of insurance is pretty steady for men until you get into the 50s and 60s and there is a noticable jump in price, primarily due to heart issues. Example: men who have a congenital issue that has never been diagnosed and have an MI. Boom, gone. It is not that women are more/less inclined to be healthy, but just that they tend to pay attention to their bodies more and personally I think this is basically because they have a period and learn at an early age to listen to their bodies in way that men don't. They have their own health problems - you find a lot of cancer in women at these ages but that is not the point I am trying to make. In all the years I have looked at claims, pre-CV, I would have not thought much of hearing about a 49 year old male dying from an MI - although young, for those with congenital issues or smoking history, this is the age starting point. The fact that it is now happening to women at this age is an entirely different ball game. To me, this is just more evidence that the problem is the vax.