Changes
/* Average variation of premium for Smokers across Health Classes compared to premium charged in Best Health Class */
* In AIG, monthly premium for men who smoke more than 1 pack of cigarettes a day remains constant at $413 in all health classes.
* In AIG, monthly premium for women who smoke more than 1 pack of cigarettes a day in Best health class is $219 which increases by 34% to $294 for all other health classes.<br> ==Constraints==* This study incorporates only five insurance companies because of the constraint of data availability.* The study is limited only to the state of California; however, we observed that the premium charges in other states are similar to that of California.
