One thing you should also know that it is quite difficult for a service to charge all their insured with the same and exact premiums. Due to the fact that the coverage of each insurance services have various coverage, depending on the need of the client. In addition, they also vary on the risk involved and conditions that is to be meet. Also these services conducts an assessments of the possible risk their insured has. Generally, this is possible with the aid of a statistical model, taking all possible consideration of risks that may involve insuring individual's age, groups, working conditions, genders, and others.