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.

For example, a non-smoking 45-year-old female pays $45 per month for $500,000 of 20-year level-term coverage and a 45-year-old female smoker pays $167 per month. That's $1,462 more over the course of a year.

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