(AP Photo/Ibrahim Usta)

In life insurance policies, you can count on men and smokers not getting the best deals. They’re two groups that are paying significantly more for their policies, according to a report from InsuranceQuotes.com.

Men pay an average of 38 percent more than women for the exact same life insurance policy, the report found. As for smokers, well, they are paying a whopping 235 percent more than non-smokers — more than three times more.

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