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| Manchester | | Healthy people have the best | | Short Rate Premium: The premium |
| Spartanburg | | mortality risks and thus are much | | required for issuing a policy for a |
| South Bend | | cheaper for companies to insure. This | | period less than its normal term. |
| Rockford | | translates into lower rates for the | | |
| Venice | | Super Preferred customer than | | Operating Expense: The expense of |
| Hattiesburg | | someone with higher risk factors such | | an insurer other than commissions |
| Newburgh | | as a heart condition, cancer or | | and taxes. Called " and Insurance |
| Lafayette | | diabetes. Conversely, if you were | | Expense" in the convention statement |
| St. Paul | | unhealthy when you acquired your | | blank. |
| Schaumburg | | policy, and your health has now | | |
| Wichita | | improved, it might be time to shop for | | Borderline Risk: An insurance |
| Lowell | | a new policy, as your rates are likely | | prospect of doubtful quality from an |
| Johnson City | | to be lower. | | underwriting point of view. |
