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| Naples | | Healthy people have the best | | Submitted Business: Applications for |
| Greenville | | mortality risks and thus are much | | insurance submitted to an insurer but |
| Pittsburgh | | cheaper for companies to insure. This | | not yet acted upon by it. |
| Tucson | | translates into lower rates for the | | |
| Greeley | | Super Preferred customer than | | Agency Contract (or Agreement): The |
| Jasper | | someone with higher risk factors such | | document which establishes the legal |
| Bronx | | as a heart condition, cancer or | | relationship between an agent and an |
| Savannah | | diabetes. Conversely, if you were | | insurer. |
| Winter Haven | | unhealthy when you acquired your | | |
| Quincy | | policy, and your health has now | | Deflation: An economic period |
| Philadelphia | | improved, it might be time to shop for | | characterized by falling prices, high |
| Decatur | | a new policy, as your rates are likely | | unemployment and a generally |
| Athens | | to be lower. | | sluggish or slow economy. |
