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| Decatur | | Healthy people have the best | | Brokerage Department: A department |
| Bethlehem | | mortality risks and thus are much | | of an insurer whose purpose is to |
| Bethlehem | | cheaper for companies to insure. This | | deal with brokers in the placing of |
| Montgomery | | translates into lower rates for the | | insurance. |
| Franklin | | Super Preferred customer than | | |
| Coral Springs | | someone with higher risk factors such | | Overlapping Insurance: Coverage |
| Spartanburg | | as a heart condition, cancer or | | from two or more policies or insurers |
| Conroe | | diabetes. Conversely, if you were | | which duplicates coverage of certain |
| Quincy | | unhealthy when you acquired your | | risks. |
| Vero Beach | | policy, and your health has now | | |
| Augusta | | improved, it might be time to shop for | | Loss Adjustment Expense: The cost |
| Youngstown | | a new policy, as your rates are likely | | of adjusting losses, excluding the |
| Savannah | | to be lower. | | amount of the loss itself. |
