The greater the chance an insurance company has of having to pay a claim, the more they will charge for their insurance; greater risks are offset by the mandate of a greater amount of immediate compensation. This principle is the fundamental one in determining insurance premiums, and it is illustrated by the fact that _______________.

Which of the following best completes the passage above?

(1) successful insurance companies are evidenced by the ability to insure almost anyone who applies, including smokers, the elderly, and extreme-sports enthusiasts
(2) car insurance companies demand higher premiums to insure drivers under the age of twenty-five than to insure experienced drivers over twenty-five
(3) the deductible for prescription medication can sometimes be below the cost of even the most expensive generic brand of medication
(4) during any one year, everyone at a large corporation choosing their company's health insurance plan may pay the exact same premium for that insurance, regardless of their previous medical history
(5) the potential annual return on insuring a seventy-year old man is typically lower than that of insuring a thirty-year old man

OA 2

Can some throw light on the sentence after ;[/spoiler]