Life insurance premiums for men and women are different. What principles have been applied?

Hello! The profit of an insurance company consists of three parts: commission difference, interest spread and death difference. Because the health degree of men and women is different, the health degree is caused by the different social status and social responsibility of men and women. Because of the difference in health status, the average life expectancy of women in history is about 4 years longer than that of men, so men pay more health insurance than women, while men get more pensions than women for old-age insurance because they spend more time than men.