"If he is a youngish male," Probably no difference now in regard to sex. Dependent on the start date. At least the gender directive comes into force on Friday but I think many insurers have already changed. Likewise with life insurance, health insurance and pension annuities etc. From Friday it is illegal to discriminate according to sex. Though we still underwrite in regard to people's post-code, age, occupation etc. Why someone's sex should be taken out of the equation seems quite bizarre.