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| Buffalo | | Healthy people have the best | | Partial Loss: A loss covered by an |
| Raleigh | | mortality risks and thus are much | | insurance policy which does not |
| Odessa | | cheaper for companies to insure. This | | completely destroy or render |
| Greeley | | translates into lower rates for the | | worthless the insured property. |
| Springfield | | Super Preferred customer than | | |
| Lakeland | | someone with higher risk factors such | | Calendar Year Experience: This |
| Huntington Beach | | as a heart condition, cancer or | | measures the premiums and losses |
| Indianapolis | | diabetes. Conversely, if you were | | entered on accounting records during |
| Tulsa | | unhealthy when you acquired your | | the 12-month calendar. |
| Lafayette | | policy, and your health has now | | |
| Joliet | | improved, it might be time to shop for | | Sole Proprietorship: A business |
| Hickory | | a new policy, as your rates are likely | | enterprise owned by one person who |
| El Paso | | to be lower. | | is its manager and employee. |
