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| Alameda | | Healthy people have the best | | Admitted Company: An insurance |
| Tampa | | mortality risks and thus are much | | company authorized and licensed to |
| Toledo | | cheaper for companies to insure. This | | do business in a given state. |
| Marietta | | translates into lower rates for the | | |
| Boynton Beach | | Super Preferred customer than | | Agent's Qualification Law: Education, |
| Corona | | someone with higher risk factors such | | experience, and other requirements |
| Fort Myers | | as a heart condition, cancer or | | imposed by the state upon persons |
| Stamford | | diabetes. Conversely, if you were | | desiring to be licensed as agents. |
| Chicago | | unhealthy when you acquired your | | |
| Beaumont | | policy, and your health has now | | Retrospective Premium: The final |
| Savannah | | improved, it might be time to shop for | | premium in a retrospective rating |
| Muncie | | a new policy, as your rates are likely | | plan. See Retrospective Rating. |
| Manchester | | to be lower. | | |
| Nashua | | | | Approved: The condition which exists |
| Thousand Oaks | | Everyone has different needs, and | | when the person or object to be |
| Evanston | | not one size fits all when it comes to | | insured meets the underwriting |
| Waterloo | | term life insurance. While it may make | | standards of the insurer. |
| Bay City | | sense for people in their 30s and 40s | | |
| Dallas | | to secure a 20-year term length, a | | Accidental Bodily Injury: An injury |
| Pensacola | | 10-year term might be more | | sustained accidentally. Only the result |
| Baton Rouge | | appropriate for someone nearing | | need be accidental. Contrast with |
| Naperville | | retirement. | | Accidental Means. |
