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| Boca Raton | | Healthy people have the best | | Valuation Clause: A clause stating the |
| Franklin | | mortality risks and thus are much | | value of items for insurance |
| Yonkers | | cheaper for companies to insure. This | | purposes, making it a valued policy. |
| Wilmington | | translates into lower rates for the | | |
| Coral Springs | | Super Preferred customer than | | Approved: The condition which exists |
| New Port Richey | | someone with higher risk factors such | | when the person or object to be |
| Portland | | as a heart condition, cancer or | | insured meets the underwriting |
| San Bernardino | | diabetes. Conversely, if you were | | standards of the insurer. |
| St. Louis | | unhealthy when you acquired your | | |
| Fort Worth | | policy, and your health has now | | Mandatory Valuation Reserve: A |
| Hendersonville | | improved, it might be time to shop for | | reserve required by a state law to |
| Bethlehem | | a new policy, as your rates are likely | | offset any declines in the valuation of |
| Odessa | | to be lower. | | securities listed as admitted assets. |