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| Winter Park | | Healthy people have the best | | Provisional Rate: Tentative rates, |
| Hickory | | mortality risks and thus are much | | premiums or commissions that are |
| Odessa | | cheaper for companies to insure. This | | subject to subsequent adjustment. |
| Spartanburg | | translates into lower rates for the | | See Commission and Premium. |
| Silver Spring | | Super Preferred customer than | | |
| West Chester | | someone with higher risk factors such | | Deficit Carried Forward: The transfer |
| Hattiesburg | | as a heart condition, cancer or | | of a debit balance from one |
| Sumter | | diabetes. Conversely, if you were | | accounting period to another. |
| Carlsbad | | unhealthy when you acquired your | | |
| Owensboro | | policy, and your health has now | | Approved Roof: A term used in |
| Abilene | | improved, it might be time to shop for | | building construction. It indicates a |
| Tallahassee | | a new policy, as your rates are likely | | roof made of fire-resistive materials, |
| Council Bluffs | | to be lower. | | such as tile or asphalt shingles. |