Changes
/* Premium charged by different insurance companies for “Non-Smokers” in different health classes */
* AIG and Genworth charges the least premium for '''Best and Preferred''' health class for both men ('''$168''') and women ('''$68'''); while Prudential charges the maximum pemium ( '''$120''' and '''$81''' for men and women respectively).
* In the '''Standard Plus''' health class, TransAmerica Transamerica charges the least premium ( '''$128''' ) for men while AIG and Genworth charges least for women ( '''$93''' ). Prudential charges the maximum premium in this class also; '''21%''' higher for men and '''17%''' higher for women, respectively.* Similarly, in the '''Standard''' health class, while TransAmerica Transamerica charges least for men ('''$161''') AIG charges least for women ('''$121'''). Prudential charges the maximum in this category too with '''$194''' for men ( '''+ 20%''' ) and '''$142''' for women ( '''+ 17%''' ).
* The variation in premium charged among men and women is from '''24% to 51%'''.
* It is worth noticing that while premium charges for AIG increases by '''67%''' from Best to Standard class, the increase for Prudential is only '''62%'''.
* '''''This indicates that AIG is more sensitive to health class than Prudential among Non-Smokers. However, Prudential may be termed as more risk-averse than the other insurance companies as the premium charged is maximum in all health classes.'''''
===Premium charged by different insurance companies for “Smokers – having less than 1 pack a day” in different health classes===
