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| Lorain | | Healthy people have the best | | Deflation: An economic period |
| Berkeley | | mortality risks and thus are much | | characterized by falling prices, high |
| Albany | | cheaper for companies to insure. This | | unemployment and a generally |
| Texarkana | | translates into lower rates for the | | sluggish or slow economy. |
| Lansing | | Super Preferred customer than | | |
| Anderson | | someone with higher risk factors such | | Indemnity: Restoration to the victim of |
| Des Moines | | as a heart condition, cancer or | | a loss by payment, repair, or |
| Bloomington | | diabetes. Conversely, if you were | | replacement. |
| Goldsboro | | unhealthy when you acquired your | | |
| Poughkeepsie | | policy, and your health has now | | Foreign Insurer: An insurer domiciled |
| Naperville | | improved, it might be time to shop for | | in a state of the United States other |
| Belleville | | a new policy, as your rates are likely | | than the one in which the insured's |
| Yonkers | | to be lower. | | insurance is written. |