Not sure I understand, are you implying that because insurance companies openly discriminate, that means it's not discrimination? So if a capitalist industry says it's true, then it's true?
Or, are you implying something along the lines to say that men are, by nature, dumber and impulsive? Like it's some fact of biology measurable by statistics? And not like, some kind of expected role placed on men to fit into society, encouraging them to be brash and aggressive? Boys will by boys and all that.
But hey, lets abuse statistic and this "by nature" argument a bit more, see how that line of thinking has been used against other groups of people, and see if it feels alight:
"Women are simply not as smart and are meant to be caring and loving mothers, its in their nature".
Hmmmmm, troubling. But statistically, at that time, true. Because women weren't allowed in higher education and were expected to keep house. So crazy thing, that's what a large statistic of women did. The weren't educated and grew up to be housewives as their only skill. And look at that, now I can use the artificially induced statistic as evidence and create this neato little feedback loop until everyone just accepts it an immutable fact of nature.
It's almost like... we have this society built on explicit gender roles and expectations. And trying to use those societal pressures as some kind of proof of nature, is pretty fucking dumb, and inherently sexist af. And flipping the roles so as to say "haha men dumb" doesn't make it any less sexist. And playing this dumb "what do you mean?" game is insincere bullshit.