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| Topeka | | Healthy people have the best | | Inspection: Independent checking on |
| Bethlehem | | mortality risks and thus are much | | facts about an applicant, |
| Hot Springs | | cheaper for companies to insure. This | | policyholder, or claimant, usually by a |
| Miami | | translates into lower rates for the | | commercial inspection agency. |
| Austin | | Super Preferred customer than | | |
| Greensboro | | someone with higher risk factors such | | Multi-Peril Policies: Policies which |
| Lawton | | as a heart condition, cancer or | | cover a number of perils, such as fire, |
| Pittsburgh | | diabetes. Conversely, if you were | | burglary, and liability, in a single |
| Tulsa | | unhealthy when you acquired your | | contract. |
| Tacoma | | policy, and your health has now | | |
| Scranton | | improved, it might be time to shop for | | Deficit Carried Forward: The transfer |
| Birmingham | | a new policy, as your rates are likely | | of a debit balance from one |
| Cambridge | | to be lower. | | accounting period to another. |
