These images are from Drawing Fashion by Bill Thames. Each of the pages has generic proportions of an adult female and male face as well as step-by-step instruction on how to draw a face without reference. Its also helpful to see how the features of the face (eyes, nose, mouth, chin) can be easily turned and drawn with consistency by using guidelines based on proportions.

Body Fat in Each of the Genders

These two images don't show all the places body fat (or adipose) can gather in the body.  Men in general will carry body fat high in the abdomen versus women.  Think beer bellies versus thunder thighs. :)

Knowing the general placement of body fat in each of the genders can help with character design.  Different body shapes can be created by experimenting with the sizes of adipose deposits.

from Human Anatomy for Artists by Eliot Goldfinger

Gender Differences

When looking at male and female skeletons side-by-side, one will notice several general differences.  Men tend to have "studier" looking bones, a squarer-shaped head, longer limbs, a smaller pelvis in comparison to the rib cage, and their femurs exit the pelvis at a straighter angle.  Women tend to have a "delicate" frame,  more of a rounded skull, shorter limbs, a large pelvis in comparison to the rib cage, and their femurs exit the pelvis at more of an angle.

The image on the left really shows the differences in body shape between the two genders.  Men are at their widest across the shoulders, women are at the hips.

from The Beginner's Guide to Human Anatomy by James Horton