Accidential and sickness

Jolene and Joanna both decide to go on vacation to Morocco. They each decide to get travel insurance to give them peace of mind when they are on their trip. Their vacation will last for 20 days. Joanna's travel insurance premium is $150 while Jolene's premium is $200. Which of the following is a reason for the difference in insurance premium? A Jolene paid her coverage by cheque and Joanna paid her premium by cash B Jolene has a pre-existing condition of back pain. A&C D Jolene is 42 years old and Joanna is 34 years old