（CEB|SHL Talent Measurement） Policyholders without chargeable accidents receive our lowest accident-free rates. A 10, 15, or 20 percent discount applies if your policy has been in force and free of chargeable accidents for at least three, six, or ten years, respectively. This discount applies as long as the policy remains in force and there are no chargeable accidents. Referring to the above, how does the policyholder qualify for a 15 percent discount?