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| Rochester | | Healthy people have the best | | Shock Loss: A catastrophic loss so |
| Amarillo | | mortality risks and thus are much | | large that it has a material effect on |
| Cypress | | cheaper for companies to insure. This | | the underwriting results of a company. |
| Union | | translates into lower rates for the | | |
| Fayetteville | | Super Preferred customer than | | Agency Company: An insurance |
| Williamsport | | someone with higher risk factors such | | company that produces business |
| Warwick | | as a heart condition, cancer or | | through an agency network. Contrast |
| Denver | | diabetes. Conversely, if you were | | with Direct Writer. |
| Pembroke Pines | | unhealthy when you acquired your | | |
| Fort Lauderdale | | policy, and your health has now | | Brick Veneer Construction: Refers to |
| Huntsville | | improved, it might be time to shop for | | a building where the outside walls are |
| Columbia | | a new policy, as your rates are likely | | constructed of wood with a facing of a |
| Durham | | to be lower. | | single layer of brick. |
