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| Stockton | | Healthy people have the best | | License: A certification of authority for |
| Brooklyn | | mortality risks and thus are much | | an agent or insurer to operate, given |
| West Palm Beach | | cheaper for companies to insure. This | | by the appropriate jurisdiction. |
| Duluth | | translates into lower rates for the | | |
| Corpus Christi | | Super Preferred customer than | | Incurred Expense: Expenses not yet |
| Irvine | | someone with higher risk factors such | | paid. Can also include paid |
| Colorado Springs | | as a heart condition, cancer or | | expenses in some accounting |
| Virginia Beach | | diabetes. Conversely, if you were | | systems. |
| Columbus | | unhealthy when you acquired your | | |
| Rockville | | policy, and your health has now | | Approved: The condition which exists |
| Knoxville | | improved, it might be time to shop for | | when the person or object to be |
| Anderson | | a new policy, as your rates are likely | | insured meets the underwriting |
| Las Vegas | | to be lower. | | standards of the insurer. |