A comparison website has estimated a 15% life insurance rate rise for women post-Gender Directive and warned that getting in early will be vital.
Payingtoomuch.com said to avoid the impending price hike it was crucial new policies had a start date of 20 December or earlier.
Michael Ward, managing director of Payingtoomuch.com, said: "To qualify for gender-specific premiums applications must be underwritten and accepted with the premium and any exclusions clearly defined, although the premium doesn't need to have been paid until 20 December 2012.
"As a result so long as everything has been clearly agreed we are able to hold off placing the policy in force until 20 December 2012, meaning premiums will not be payable until that date. However, one word of warning, some insurance companies may start to change to gender neutral pricing before then."
Ward added it was important not to leave things until the last minute given varying underwriting processes between insurers.
"For some this is almost instant but for others it can involve getting a standard report from your doctor which can take up to four weeks and given that there is likely to be a last minute rush and that there is no flexibility on the cut-off date applying early could be prudent," he said.
"Try to get it right first time. This is important as applying for the right amount of cover over the correct term is crucial as policy alterations later on will have to be processed on the gender neutral rates."