Changes

* 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. <br>

===Pruco Life Insurance Co. (Prudential)===

* 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%.

* '''''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 Non-smokers and Smokers differ by as much as 209%'''''.<br>

===Trnasamerica Life Insurance Co.===

'''''The highest rate differential is found in the Best and Preferred segments where the average rates between Non-smokers and Smokers differ by as much as 203%'''''.<br>

===Genworth Life Insurance company (Genworth Financial)===