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| Charlotte | | Individuals who have 30-year | | Fictitious Groups: Groups formed |
| Norfolk | | mortgages might want to consider a | | primarily for the purpose of buying |
| Rockville | | 30-year term to ensure that the house | | insurance. Under the law such groups |
| Muskegon | | is protected throughout the period of | | may not be underwritten. |
| Asheville | | the loan. | | |
| Warwick | | | | Preferred Risk: Any risk considered |
| Little Rock | | Healthy people have the best | | to be better than the standard risk on |
| Jackson | | mortality risks and thus are much | | which the premium rate was |
| Tuscaloosa | | cheaper for companies to insure. This | | calculated. |
| Clearwater | | translates into lower rates for the | | |
| Spokane | | Super Preferred customer than | | Short-Term Policy: A policy written for |
| Stockton | | someone with higher risk factors such | | a period of less time than is normal for |
| Richmond | | as a heart condition, cancer or | | that type of policy. |
| Greeley | | diabetes. Conversely, if you were | | |
| Gainesville | | unhealthy when you acquired your | | Nonassignable: A policy that the |
| Alameda | | policy, and your health has now | | owner cannot assign to a third party. |
| Cookeville | | improved, it might be time to shop for | | Most policies are nonassignable |
| Wichita | | a new policy, as your rates are likely | | unless approval is given by the |
| Santa Clara | | to be lower. | | insurer. |