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<h1>Gender-responsive insurance design needed as women's financial protection lags, prompting industry action for inclusive products.</h1> Widening gender disparity in urban financial protection is evident: working men's Protection Quotient increased while working women's score remained stagnant, signalling divergent preparedness across retirement, children's education, marriage-related costs, and resilience to inflation, healthcare shocks, and loss of a breadwinner. The findings highlight the need for gender-responsive insurance design, tailored advisory models, and targeted financial education to address structural and emotional barriers that inhibit women's uptake of life insurance products and to improve perceived consumer financial security.