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| Stamford | | Healthy people have the best | | Sherman Antitrust Act: An antitrust law |
| Kansas City | | mortality risks and thus are much | | from which insurance is exempted to |
| Sacramento | | cheaper for companies to insure. This | | the extent that it is regulated by state |
| Trenton | | translates into lower rates for the | | law. |
| Fall River | | Super Preferred customer than | | |
| Raleigh | | someone with higher risk factors such | | We/Us/Our: These words are used to |
| Milwaukee | | as a heart condition, cancer or | | refer to the insurer in many of the |
| Boynton Beach | | diabetes. Conversely, if you were | | modernized/personalized policy |
| Amarillo | | unhealthy when you acquired your | | forms recently introduced. |
| Newark | | policy, and your health has now | | |
| Alameda | | improved, it might be time to shop for | | Business: In Property, Liability, and |
| Fort Collins | | a new policy, as your rates are likely | | Health lines, it usually refers to the |
| Hendersonville | | to be lower. | | volume of premiums. |