==Company Analysis==
[[Image:company analysis.jpg|center|600px]] * 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 charges less premium for women than men, but the increase in premium as the health class shifts, is higher for women than men. This is an indicative that the companies maintain a policy of risk averseness for women as their health class goes down.