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| Mountain View | | Healthy people have the best | | Agency Company: An insurance |
| Burbank | | mortality risks and thus are much | | company that produces business |
| Vero Beach | | cheaper for companies to insure. This | | through an agency network. Contrast |
| Las Vegas | | translates into lower rates for the | | with Direct Writer. |
| Cedar Rapids | | Super Preferred customer than | | |
| Frederick | | someone with higher risk factors such | | Short-Term Policy: A policy written for |
| Saginaw | | as a heart condition, cancer or | | a period of less time than is normal for |
| Lawrenceville | | diabetes. Conversely, if you were | | that type of policy. |
| Southfield | | unhealthy when you acquired your | | |
| Montgomery | | policy, and your health has now | | Fiduciary: A person holding the funds |
| Schenectady | | improved, it might be time to shop for | | or property of another in a position of |
| Johnson City | | a new policy, as your rates are likely | | trust. An example would be the |
| Orange Park | | to be lower. | | executor of an estate. |
