| | | | |
|
| Columbus | | Healthy people have the best | | Preferred Risk: Any risk considered |
| Alexandria | | mortality risks and thus are much | | to be better than the standard risk on |
| Springfield | | cheaper for companies to insure. This | | which the premium rate was |
| Bellevue | | translates into lower rates for the | | calculated. |
| Phoenix | | Super Preferred customer than | | |
| Boulder | | someone with higher risk factors such | | Losses Incurred: The total losses, |
| Oxnard | | as a heart condition, cancer or | | whether paid or not, sustained by an |
| Rochester | | diabetes. Conversely, if you were | | insurer during a given period, e.g., 12 |
| Bethlehem | | unhealthy when you acquired your | | months. |
| Oxnard | | policy, and your health has now | | |
| Oklahoma City | | improved, it might be time to shop for | | New For Old: Replacing old |
| Council Bluffs | | a new policy, as your rates are likely | | damaged parts or equipment with |
| Lowell | | to be lower. | | new ones rather than repairing them. |
