Original sentence: Cindy Ossias.Evaluation of risk, when an insurer determines a premium or premium rate structure, considers  quantifiable factors, including location, credit scores, gender, occupation, marital status, and education level.Financial services (broader industry to which insurance belongs).Hank Greenberg told his board of directors, "you can't even spell 'insurance'" ((hearsay, April 2005).However, the use of these essential factors, whether inappropriately or not, are often considered to be 'unfair' or racist by some consumers and their advocates, sometimes leading to political disputes about insurers' determination of premiums and possible government intervention to limit the factors used
Edited sentence: (Hearsay quote) Hank Greenberg told his board of directors, "you can't even spell 'insurance'" (April 2005).Evaluation of risk by the insurer considers every available, quantifiable factor, including location, credit scores, gender, occupation, marital status, and education level.Financial services (industry belonging).However, some people consider all or some of these factors to be "unfair" and sometimes make claims such as 'racism' about insurers' determination of premiums.Risk determines premium.So, for political reasons, governments may limit the factors that may be used