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| Hampton | | Healthy people have the best | | Will Ride: Coverage that remains in |
| Augusta | | mortality risks and thus are much | | effect regardless of the geographical |
| Rapid City | | cheaper for companies to insure. This | | location in which a loss occurs. |
| Portland | | translates into lower rates for the | | |
| Phoenix | | Super Preferred customer than | | Paid-In Surplus: Surplus paid in by |
| Virginia Beach | | someone with higher risk factors such | | stockholders, as contrasted with |
| Fall River | | as a heart condition, cancer or | | surplus earned through the |
| Fort Worth | | diabetes. Conversely, if you were | | operations of a business. |
| Biloxi | | unhealthy when you acquired your | | |
| Waco | | policy, and your health has now | | Fiduciary: A person holding the funds |
| New York | | improved, it might be time to shop for | | or property of another in a position of |
| Bloomington | | a new policy, as your rates are likely | | trust. An example would be the |
| Cape Coral | | to be lower. | | executor of an estate. |