What does Sandy's lower life insurance premium compared to Cindy's likely indicate?

Sandy's lower life insurance premium compared to Cindy's likely indicates unfair discrimination. In the context of insurance, this term refers to situations where individuals are charged different premiums not based on legitimate underwriting factors, but rather on unjustified criteria. Such discrimination can be based on factors that do not accurately reflect the risk of insuring an individual.

When Sandy pays a lower premium than Cindy, it suggests that the insurance company is applying different criteria to assess their risk profiles. This could imply that Sandy has characteristics or factors that the insurer considers lower risk, or it might indicate that Cindy is being charged more for reasons that aren't fair or justified based on her actual risk. For a premium difference to reflect unfair discrimination, it must be rooted in bias rather than objective underwriting standards such as age, health, or lifestyle choices.

Other options such as misrepresentation, twisting, and false advertising do not appropriately fit this context. Misrepresentation would involve one party inaccurately describing aspects of the policy or coverage, twisting pertains to persuading someone to cancel their current policy in favor of a new one based on misleading information, and false advertising involves deceptive promotional practices. These situations do not directly relate to the differential premiums being charged based on risk evaluation.