Next year, AICUS will charge its clients different premiums based on past accidents and risk groups. Which of these options is the most likely one for the insurance company to select?

The low-risk group should pay the highest premium, the moderate-risk group should pay a moderate premium, and the high-risk group should pay the lowest premium.

The high-risk group should pay the highest premium, the moderate-risk group should pay a moderate premium, and the low-risk group should pay the lowest premium.

The high-risk and moderate-risk groups should pay the same high premium, whereas the low-risk group should pay no premium.

The high-risk group should pay a high premium, whereas the moderate- and low-risk groups should pay no premium.