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| Fort Wayne | | Healthy people have the best | | Public Adjuster: An insurance adjuster |
| Albany | | mortality risks and thus are much | | who represents an insured on a fee |
| Rome | | cheaper for companies to insure. This | | basis in claims settlement. Contrast |
| Norwalk | | translates into lower rates for the | | with Independent Adjuster. |
| Valdosta | | Super Preferred customer than | | |
| Birmingham | | someone with higher risk factors such | | Broker-Agent: One acting as an agent |
| Gaithersburg | | as a heart condition, cancer or | | of one or more insurers and as a |
| San Francisco | | diabetes. Conversely, if you were | | broker in dealing with one or more |
| Erie | | unhealthy when you acquired your | | other insurers. |
| Acworth | | policy, and your health has now | | |
| Peoria | | improved, it might be time to shop for | | Liquidity: The ability of an insurer to |
| Malden | | a new policy, as your rates are likely | | convert its assets into cash to pay |
| Charlotte | | to be lower. | | claims if necessary. |