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| Sioux City | | People who are trying to quit | | New For Old: Replacing old |
| Dubuque | | smoking, for example, might be best | | damaged parts or equipment with |
| Rockville | | suited purchasing a shorter term (and | | new ones rather than repairing them. |
| Florissant | | then replacing it with a longer term | | |
| Newburgh | | policy when they qualify for | | Open Rating: A system whereby a |
| Tulsa | | non-tobacco prices). | | state allows an insurer to use rates |
| Kansas City | | | | without prior approval. |
| Tempe | | Healthy people have the best | | |
| Boynton Beach | | mortality risks and thus are much | | Examiner: An employee assigned by |
| Toledo | | cheaper for companies to insure. This | | the state insurance department to |
| Chattanooga | | translates into lower rates for the | | audit insurers' records. |
| Tampa | | Super Preferred customer than | | |
| San Antonio | | someone with higher risk factors such | | Sole Proprietorship: A business |
| Olympia | | as a heart condition, cancer or | | enterprise owned by one person who |
| Anchorage | | diabetes. Conversely, if you were | | is its manager and employee. |
| Evanston | | unhealthy when you acquired your | | |
| Indianapolis | | policy, and your health has now | | Policy Period (or Term): The period |
| Newburgh | | improved, it might be time to shop for | | during which the policy contract |
| Zanesville | | a new policy, as your rates are likely | | affords protection, e.g., six months or |
| Kingsport | | to be lower. | | one or three years. |
