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| Decatur | | Healthy people have the best | | Premium Notice: A form notice from |
| Winter Park | | mortality risks and thus are much | | an insurer or agency to a policy |
| Warwick | | cheaper for companies to insure. This | | owner that a premium will be due on a |
| Newport News | | translates into lower rates for the | | given date. |
| Pompano Beach | | Super Preferred customer than | | |
| West Palm Beach | | someone with higher risk factors such | | Flat Cancellation: A policy which is |
| Philadelphia | | as a heart condition, cancer or | | cancelled upon its effective date. |
| Pasadena | | diabetes. Conversely, if you were | | Usually under a flat cancellation no |
| Arlington | | unhealthy when you acquired your | | premium charge is made. |
| Jersey City | | policy, and your health has now | | |
| Bronx | | improved, it might be time to shop for | | Loss Adjustment Expense: The cost |
| Manchester | | a new policy, as your rates are likely | | of adjusting losses, excluding the |
| Palm Desert | | to be lower. | | amount of the loss itself. |
