Not sure I understand, are you implying that because insurance companies openly discriminate, that means it's not discrimination?

Discrimination usually requires proof of unfair treatment. Insurance companies avoid this by proving these metrics are mathematically and actuarially tied to risk rather than intentional bias.

Are you denying that young men are less risk adverse than young women, that young men do not injure themselves and others more than young women?

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?

Yes..... Testosterone is well known to effect mood regulation and decision making, including the ability to control and reflect upon impulsive behaviour.

line of thinking has been used against other groups of people, and see if it feels alight:

Yes because falsely equating modern medical science to something like phrenology is totally a legitimate argument....

Women are simply not as smart and are meant to be caring and loving mothers, its in their nature

That is making an absolute claim, which is not what I or the original the original post did.

Also, most all studies agree that women and men both have the same average IQ of around 100, but tend to be better at different aspects of the test.

The second part of your claim is not really something that can be statically measured? "Women are supposed to be loving mother" as opposed to what exactly? How are we quantifying what a loving mother is?

The weren't educated and grew up to be housewives as their only skill.

More women are seeking higher education then men currently?

Even your "pretend" sexism is moronic. So I guess you are being a little orange cat brained today.

It's almost like... we have this society built on explicit gender roles and expectations.

It's almost like you are dramatically over reaching to turn this two sentence post so you can turn this thread into an Incel soapbox about the male loneliness epidemic.