So I believe you are talking about using a density function for "number of claims" vs "distribution of cost of claims" in insurance. This is probably a question better left for SAS/STAT.
I am moving your question to the Stat Procs board where it can probably get better attention.
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ANOVA, or Analysis Of Variance, is used to compare the averages or means of two or more populations to better understand how they differ. Watch this tutorial for more.