This is because several other factors come into play when insurers calculate their prices, including the percentage of men and women in the insurer's portfolio, the transition cost and risk margin to adapt to a new system and the level of competition in a specific market.
Kindlustusandjate hinnakujundamisel mängivad rolli paljud muud tegurid, sealhulgas meeste ja naiste protsentuaalne osakaal kindlustusandja portfellis, uuele süsteemile ülemineku maksumus, kohane riskimarginaal ja konkurentsitase konkreetsel turul.