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| Alexandria | | Healthy people have the best | | Amendment: A formal document |
| Fresno | | mortality risks and thus are much | | which corrects or revises an |
| Coral Springs | | cheaper for companies to insure. This | | insurance master policy. |
| Longmont | | translates into lower rates for the | | |
| Chicago | | Super Preferred customer than | | Basic Rate: The manual rate from |
| Charleston | | someone with higher risk factors such | | which discounts are taken or to which |
| Oceanside | | as a heart condition, cancer or | | charges are added to reflect the |
| Rome | | diabetes. Conversely, if you were | | individual circumstances of a risk. |
| Tucson | | unhealthy when you acquired your | | |
| Worcester | | policy, and your health has now | | Net Retention: The amount of |
| Plano | | improved, it might be time to shop for | | insurance that a ceding company |
| New Port Richey | | a new policy, as your rates are likely | | keeps for its own account and does |
| Duluth | | to be lower. | | not reinsure. |