题目选项分析

When interest rates are high, insurance companies reduce the premiums they charge for many kinds of insurance policies. The reason is that insurance companies want to take in as much money as possible in premiums so that they can invest the money at high rates of interest. And premium reductions help achieve this objective, since __________.

Which of the following most logically completes the argument below?

【选项】smaller insurance companies are not able to amass enough money to take advantage of investing at high interest rates