Where insurance is offered, the coverage is typically group coverage, which lowers the cost of insurance by spreading the cost of coverage over a larger number of participants. (usinsuranceagents.com)
When you buy one outfit you can use it for several years, so think of spreading the cost over 3 years or so, instead of just using it for one year. (themodestmomblog.com)
The insurance companies make up for that added risk by spreading the cost over a large group of people, without considering individual health and lifestyle habits. (healthiq.com)