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| Berkeley | | Healthy people have the best | | License: A certification of authority for |
| Cape Coral | | mortality risks and thus are much | | an agent or insurer to operate, given |
| Boulder | | cheaper for companies to insure. This | | by the appropriate jurisdiction. |
| Midland | | translates into lower rates for the | | |
| Montgomery | | Super Preferred customer than | | Endorsement: A written or printed form |
| Spartanburg | | someone with higher risk factors such | | attached to the policy which alters |
| Hartford | | as a heart condition, cancer or | | provisions of the contract. |
| Little Rock | | diabetes. Conversely, if you were | | |
| Belleville | | unhealthy when you acquired your | | Claim Expense: The expense of |
| Duluth | | policy, and your health has now | | adjusting a claim, such as |
| Wichita Falls | | improved, it might be time to shop for | | investigation and attorneys' fees. It |
| Lubbock | | a new policy, as your rates are likely | | does not include the cost of the claim |
| Cherry Hill | | to be lower. | | itself. |
