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/* Company Analysis */
* The graphs presented below depict the premium charges of the respective insurance company for different health classes and sub-categories based on smoking habits.
* It is noteworthy that although the companies charge lesser premium for women than for men, the increase in premium as the health class shifts, is higher for women than men. This indicates that the companies maintain a policy of risk averseness for women as their health class goes down. <br>
===Pruco Life Insurance Co. (Prudential)===
* '''''For Standard Plus and Standard health class, the premiums charged for Nonnon-smokers and Nicotine nicotine patch users are the same. This indicates that the company may be treating these two segments as one or at par with each other.'''''
* From the graph we find that as the health class of the non-smoker moves from Best/Preferred health class to Standard, the premium charged increases by 29% for men and 35% for women in Standard Plus, and by 62% for men and 75% for women in Standard health class. This shows that the '''''sensitivity of the company increases with the deterioration in health condition and they are more sensitive to the Standard health segment'''''.
* One interesting thing to note is that the company charges the same premium for both men and women who smoke for the health classes – Best, Preferred and Standard Plus. However the premium increases by 22% (< 1 pack of cigarette) and 25% (> 1 pack of cigarette) for men, while for women it increases by 51% and 30% respectively.
* '''''The highest rate differential is found in the Best and Preferred segments where the average rates between Non-smokers and Smokers (excluding nicotine patch users) differ by 181%'''''.<br>
===Reliastar Life Insurance Company (ING)===
* '''''The highest rate differential is found in the Best and Preferred segments where the average rates between Nonnon-smokers and Smokers smokers differ by as much as 209%'''''.<br>
===Transamerica Life Insurance Co.===
* '''The highest rate differential is found in the Standard Plus segment where the average rates between Nonnon-smokers and Smokers smokers differ by as much as 183%'''.<br>
===American General Life Company (AIG)===
'''''The highest rate differential is found in the Best and Preferred segments where the average rates between Nonnon-smokers and Smokers smokers differ by as much as 203%'''''.<br>
===Genworth Life Insurance Company (Genworth Financial)===
