Changes
/* Premium charged by different insurance companies for “Smokers – having less than 1 pack a day” in different health classes */
* TransAmerica, the least premium charger increases its premium by 30% from Best to Standard health class while the highest premium charger Genworth has a increase of only 16% for the same. This may indicate that the '''risk appetite for Genworth is less'''.
* The maximum difference between the premium charged for '''men is 49%''' while for '''women is as high as 77%'''. This indicates that as the health category of women goes down the proportionate increase in premium is more than in case of men. So we can say insurance companies are '''more sensitive to the changes in health condition of women'''.
===Premium charged by different insurance companies for “Smokers – more than 1 pack a day” in different health classes===
[[Image:more than 1.jpg|center|600px]]
* TransAmerica charges the least premium in all health classes except for Standard Plus health class in which Prudential charges the least and in Standard health class in which AIG charges the least for women.
* ING seem to be very risk averse in this category for men as the premium charges for all health classes is among the highest at $413 ( except for Standard Class in which Prudential charges a monthly premium of $414 ).
* For women the highest premium chargers vary as follows:
[[Image:Higher premium charges.jpg|center|500px]]
* In this category too, maximum difference between the premium charged for men is 49% while for women is as high as 77%.
