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| Pembroke Pines | | Healthy people have the best | | Broker-Agent: One acting as an agent |
| Metairie | | mortality risks and thus are much | | of one or more insurers and as a |
| Williamsport | | cheaper for companies to insure. This | | broker in dealing with one or more |
| Boulder | | translates into lower rates for the | | other insurers. |
| Walnut Creek | | Super Preferred customer than | | |
| San Antonio | | someone with higher risk factors such | | Divided Cover: The placing of |
| Evanston | | as a heart condition, cancer or | | insurance on a given subject or |
| Winter Haven | | diabetes. Conversely, if you were | | object with more than one insurer. |
| El Cajon | | unhealthy when you acquired your | | |
| Bay City | | policy, and your health has now | | Partnership: A business enterprise |
| Portland | | improved, it might be time to shop for | | owned and operated by two or more |
| Rome | | a new policy, as your rates are likely | | persons for the purpose of generating |
| Bronx | | to be lower. | | business income and profits. |