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| White Plains | | Healthy people have the best | | Accident: An unplanned event, |
| Fredericksburg | | mortality risks and thus are much | | unexpected and undesigned, which |
| Evanston | | cheaper for companies to insure. This | | occurs suddenly and at a definite |
| Denver | | translates into lower rates for the | | place. |
| Flint | | Super Preferred customer than | | |
| Dayton | | someone with higher risk factors such | | Agent's Qualification Law: Education, |
| Phoenix | | as a heart condition, cancer or | | experience, and other requirements |
| Redlands | | diabetes. Conversely, if you were | | imposed by the state upon persons |
| Roanoke | | unhealthy when you acquired your | | desiring to be licensed as agents. |
| Cookeville | | policy, and your health has now | | |
| Stamford | | improved, it might be time to shop for | | Agent's License: A certificate of |
| Huntsville | | a new policy, as your rates are likely | | authority from the state which permits |
| Albuquerque | | to be lower. | | the agent to conduct business. |
