EU Gender Directive The Sex Discrimination (Amendment of Legislation) Regulations 2008 came into effect in April 2008, enshrining the EU Gender Directive. The regulations permitted the use of gender as a rating factor Premiums vary by gender to allow for the difference in the incidence and cost of claims between males and females. The gender difference is based on data published by the Continuous Mortality Investigation (CMI), which carries out research into mortality and morbidity experience on behalf of the UK Actuarial profession. Further information is available on request or on the CMI website at