Male and hell no!
Although mine doesn't really grow to be overly bushy. To prove I'm not very hairy, after a good hour, I plucked all the hair off my armpit with my fingers. Doesn't hurt.....tmi?
If you are a female, you should ALWAYS shave your underarms. There is nothing worse than witnessing a female walking out the house with a sleeveless shirt and a forest growing under her arm.