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| Boca Raton | | Healthy people have the best | | Captive Agent: One who sells |
| Hampton | | mortality risks and thus are much | | insurance for only one company as |
| Orlando | | cheaper for companies to insure. This | | opposed to an agent who represents |
| Dothan | | translates into lower rates for the | | several companies. |
| Dearborn | | Super Preferred customer than | | |
| Odessa | | someone with higher risk factors such | | Valuation Clause: A clause stating the |
| Bay City | | as a heart condition, cancer or | | value of items for insurance |
| Boston | | diabetes. Conversely, if you were | | purposes, making it a valued policy. |
| Council Bluffs | | unhealthy when you acquired your | | |
| Monroe | | policy, and your health has now | | Net Retention: The amount of |
| Livonia | | improved, it might be time to shop for | | insurance that a ceding company |
| Jonesboro | | a new policy, as your rates are likely | | keeps for its own account and does |
| Longmont | | to be lower. | | not reinsure. |