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| Delray Beach | | Healthy people have the best | | Collusion: An agreement, usually |
| San Antonio | | mortality risks and thus are much | | secret, between two or more persons |
| High Point | | cheaper for companies to insure. This | | to defraud or deprive another or |
| Lafayette | | translates into lower rates for the | | others of their property or rights. |
| Houston | | Super Preferred customer than | | |
| Saginaw | | someone with higher risk factors such | | Deductible: The portion of an insured |
| Aurora | | as a heart condition, cancer or | | loss to be borne by the insured |
| Alameda | | diabetes. Conversely, if you were | | before he is entitled to recovery from |
| Duluth | | unhealthy when you acquired your | | the insurer. |
| Cleveland | | policy, and your health has now | | |
| Bellevue | | improved, it might be time to shop for | | Loss Adjustment Expense: The cost |
| Boulder | | a new policy, as your rates are likely | | of adjusting losses, excluding the |
| Tallahassee | | to be lower. | | amount of the loss itself. |
