Changes
/* Premium charged by different insurance companies for “Smokers – having less than 1 pack a day” in different health classes */
* However, the same for women is 17% in Best health class and 32% in Standard health class.
* 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'''.<br>
===Premium charged by different insurance companies for “Smokers – more than 1 pack a day” in different health classes===
