Male, smoker and older matter

Being a male, smoker and getting older really matter in insurance cover. Being a smoker and getting older we pay averagely approx. 100% more expensive and 50% more as being a male for a life cover premium.

I made some quotations with several insurance companies based on a Life cover of $200,000 to be paid upon death.

Below are the monthly premiums quoted as an average premium of several insurance companies.

Male
age 30 => non-smoker: $14 smoker: $25
age 40 => non-smoker: $18 smoker: $40
age 50 => non-smoker: $45 smoker: $103

Female
age 30 => non-smoker: $8 smoker: $15
age 40 => non-smoker: $13 smoker: $27
age 50 => non-smoker: $34 smoker: $72

We can't do anything with getting older particularly being 50! But some people do quit smoking. Do insurance companies consider those who are transsexuals?

Anyway, a male chauvinist pig doesn't have the power for getting cheaper premiums, unless that for Income Protection cover.

Update

Average monthly premiums for $200,000 Trauma/Critical Care cover:
Male
age 30 => non-smoker: $27 smoker: $48
age 40 => non-smoker: $61 smoker: $143
age 50 => non-smoker: $183 smoker: $431
Female
age 30 => non-smoker: $27 smoker: $52
age 40 => non-smoker: $59 smoker: $131
age 50 => non-smoker: $127 smoker: $284

Average monthly premiums for $200,000 Total and Permanent Disability cover:
Male
age 30 => non-smoker: $11 smoker: $15
age 40 => non-smoker: $17 smoker: $30
age 50 => non-smoker: $60 smoker: $111
Female
age 30 => non-smoker: $10 smoker: $13
age 40 => non-smoker: $17 smoker: $29
age 50 => non-smoker: $66 smoker: $114

Average monthly premiums for $4,000 a month Income Protection cover:
Male
age 30 => non-smoker: $36 smoker: $44
age 40 => non-smoker: $61 smoker: $75
age 50 => non-smoker: $121 smoker: $149
Female
age 30 => non-smoker: $54 smoker: $63
age 40 => non-smoker: $91 smoker: $109
age 50 => non-smoker: $179 smoker: $211