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| Frederick | | Healthy people have the best | | Net Loss: The amount of loss |
| Chandler | | mortality risks and thus are much | | sustained by an insurer after giving |
| Youngstown | | cheaper for companies to insure. This | | effect to all applicable reinsurance, |
| Sunnyvale | | translates into lower rates for the | | salvage, and subrogation recoveries. |
| Conroe | | Super Preferred customer than | | |
| Turlock | | someone with higher risk factors such | | Independent Contractor: One who |
| Oklahoma City | | as a heart condition, cancer or | | agrees to perform according to a |
| Reno | | diabetes. Conversely, if you were | | contract and who is not an employee. |
| Fort Smith | | unhealthy when you acquired your | | |
| Columbus | | policy, and your health has now | | Claim: A demand made by the |
| Amarillo | | improved, it might be time to shop for | | insured, or the insured's beneficiary, |
| Daytona Beach | | a new policy, as your rates are likely | | for payment of the benefits provided |
| Chicago | | to be lower. | | by the contract. |
