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The risk of dying in your 30s in an accident is minuscule, while IIRC 87% of women have kids.

Also, companies can get insurance on an employee death (although limited to X% of highest paid employees): https://dealbook.nytimes.com/2014/06/22/an-employee-dies-and...

I might be wrong, but I don't think a company can get insurance on an employee getting pregnant.

But it is on an actuarial basis

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