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Can anyone speak on the differences between issue age premium increases VS community rated premium increases. I know that with community rating everyone is charged the same in that particular community. With Issue age your premium is based on the age at which you obtained the policy. I guess my question is, if a company has an issue age premium will its premiums be more stable over time vs a community rated premium? I mean becuase if you have a community rated premium and you live in a community with high claims experience than your premiums will be more volatile than if you lived in a community with lower claims experience. Am I right? And if you have an issue age rated premium than your premiums are likely not going to be as volatile due to the fact that your premium is based upon the age at which the policy is issued more so than claims experience. I may be way off here but In my experience that appears to be the case. I am wondering what everyone elses experience has been.