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| Irvine | | Healthy people have the best | | Provisional Rate: Tentative rates, |
| Glendale | | mortality risks and thus are much | | premiums or commissions that are |
| Wilmington | | cheaper for companies to insure. This | | subject to subsequent adjustment. |
| Johnson City | | translates into lower rates for the | | See Commission and Premium. |
| Longmont | | Super Preferred customer than | | |
| Westbury | | someone with higher risk factors such | | Submitted Business: Applications for |
| Raleigh | | as a heart condition, cancer or | | insurance submitted to an insurer but |
| Jackson | | diabetes. Conversely, if you were | | not yet acted upon by it. |
| Spartanburg | | unhealthy when you acquired your | | |
| Newport Beach | | policy, and your health has now | | Net Interest Earned: The average |
| Mesa | | improved, it might be time to shop for | | interest earned by an insurer on its |
| Santa Clara | | a new policy, as your rates are likely | | investments after investment expense |
| Oklahoma City | | to be lower. | | but before federal income taxes. |