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| Louisville | | Healthy people have the best | | Deficit Carried Forward: The transfer |
| Sterling Heights | | mortality risks and thus are much | | of a debit balance from one |
| St. Joseph | | cheaper for companies to insure. This | | accounting period to another. |
| Erie | | translates into lower rates for the | | |
| New Port Richey | | Super Preferred customer than | | Claim Expense: The expense of |
| Union | | someone with higher risk factors such | | adjusting a claim, such as |
| El Cajon | | as a heart condition, cancer or | | investigation and attorneys' fees. It |
| Oxnard | | diabetes. Conversely, if you were | | does not include the cost of the claim |
| Spokane | | unhealthy when you acquired your | | itself. |
| Boca Raton | | policy, and your health has now | | |
| Abilene | | improved, it might be time to shop for | | Countersignature: The signature of a |
| Winter Haven | | a new policy, as your rates are likely | | licensed agent or representative on a |
| Decatur | | to be lower. | | policy. |
