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| Zanesville | | Healthy people have the best | | Agency Company: An insurance |
| Reading | | mortality risks and thus are much | | company that produces business |
| Goldsboro | | cheaper for companies to insure. This | | through an agency network. Contrast |
| Midland | | translates into lower rates for the | | with Direct Writer. |
| Kansas City | | Super Preferred customer than | | |
| Redlands | | someone with higher risk factors such | | We/Us/Our: These words are used to |
| Billings | | as a heart condition, cancer or | | refer to the insurer in many of the |
| Lancaster | | diabetes. Conversely, if you were | | modernized/personalized policy |
| Durham | | unhealthy when you acquired your | | forms recently introduced. |
| Tucson | | policy, and your health has now | | |
| Columbia | | improved, it might be time to shop for | | Lapsed Policy: One which has been |
| Asheville | | a new policy, as your rates are likely | | allowed to expire because of |
| Lowell | | to be lower. | | nonpayment of premiums. |
