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| Columbia | | Healthy people have the best | | Agency Contract (or Agreement): The |
| Oceanside | | mortality risks and thus are much | | document which establishes the legal |
| Denver | | cheaper for companies to insure. This | | relationship between an agent and an |
| Walnut Creek | | translates into lower rates for the | | insurer. |
| Quincy | | Super Preferred customer than | | |
| Tallahassee | | someone with higher risk factors such | | Sherman Antitrust Act: An antitrust law |
| Jasper | | as a heart condition, cancer or | | from which insurance is exempted to |
| Washington | | diabetes. Conversely, if you were | | the extent that it is regulated by state |
| Union | | unhealthy when you acquired your | | law. |
| Phoenix | | policy, and your health has now | | |
| Walnut Creek | | improved, it might be time to shop for | | Short-Term Policy: A policy written for |
| Orange Park | | a new policy, as your rates are likely | | a period of less time than is normal for |
| Macon | | to be lower. | | that type of policy. |