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| Jackson | | Healthy people have the best | | Agency Contract (or Agreement): The |
| Jasper | | mortality risks and thus are much | | document which establishes the legal |
| Lawton | | cheaper for companies to insure. This | | relationship between an agent and an |
| Metairie | | translates into lower rates for the | | insurer. |
| Nashua | | Super Preferred customer than | | |
| Staten Island | | someone with higher risk factors such | | Initial Premium: An amount paid at the |
| Modesto | | as a heart condition, cancer or | | inception of an insurance contract, |
| Allentown | | diabetes. Conversely, if you were | | usually subject to adjustment at the |
| Flint | | unhealthy when you acquired your | | end of the policy period. |
| Rockford | | policy, and your health has now | | |
| White Plains | | improved, it might be time to shop for | | Burning Ratio: The ratio of losses |
| Clarksville | | a new policy, as your rates are likely | | suffered to the amount of insurance in |
| Council Bluffs | | to be lower. | | effect. |
