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Most small group health insurance policies are based on experience ratings. (Cost Advantage)
Invasion of Privacy
Unauthorized intrusion into the personal life of another, without just cause, which can give the person whose privacy has been invaded a right to bring a lawsuit.
Petition
A formal written request, typically one signed by many people, appealing to authority with respect to a particular cause.
Moral Objections
Refusals or oppositions based on personal beliefs about what is right and wrong.
Libel
A form of defamation expressed in print, writing, pictures, or signs, damaging a person's reputation without just cause or excuse.
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