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| Waterloo | | Healthy people have the best | | Loss Adjustment Expense: The cost |
| Elkhart | | mortality risks and thus are much | | of adjusting losses, excluding the |
| Longmont | | cheaper for companies to insure. This | | amount of the loss itself. |
| West Chester | | translates into lower rates for the | | |
| Huntington | | Super Preferred customer than | | Substandard Risk: A risk not |
| Warwick | | someone with higher risk factors such | | measuring up to underwriting |
| Lubbock | | as a heart condition, cancer or | | standards. It may still be written but |
| York | | diabetes. Conversely, if you were | | usually at a surcharged premium. |
| Tacoma | | unhealthy when you acquired your | | |
| West Palm Beach | | policy, and your health has now | | Captive Agent: One who sells |
| Sterling Heights | | improved, it might be time to shop for | | insurance for only one company as |
| Wichita Falls | | a new policy, as your rates are likely | | opposed to an agent who represents |
| York | | to be lower. | | several companies. |