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| Fredericksburg | | Healthy people have the best | | Partnership: A business enterprise |
| Minneapolis | | mortality risks and thus are much | | owned and operated by two or more |
| Grand Junction | | cheaper for companies to insure. This | | persons for the purpose of generating |
| Memphis | | translates into lower rates for the | | business income and profits. |
| Brooklyn | | Super Preferred customer than | | |
| Las Cruces | | someone with higher risk factors such | | Endorsement: A written or printed form |
| Hot Springs | | as a heart condition, cancer or | | attached to the policy which alters |
| Albuquerque | | diabetes. Conversely, if you were | | provisions of the contract. |
| Racine | | unhealthy when you acquired your | | |
| Ocala | | policy, and your health has now | | Agency: An insurance sales office |
| Lowell | | improved, it might be time to shop for | | which is directed by a agent, |
| Lexington | | a new policy, as your rates are likely | | manager, independent agent, or |
| Dayton | | to be lower. | | company manager. |
