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| Hot Springs | | Healthy people have the best | | Losses Incurred: The total losses, |
| Wichita | | mortality risks and thus are much | | whether paid or not, sustained by an |
| Denver | | cheaper for companies to insure. This | | insurer during a given period, e.g., 12 |
| Biloxi | | translates into lower rates for the | | months. |
| Buffalo | | Super Preferred customer than | | |
| Mountain View | | someone with higher risk factors such | | Agent's Balance: A periodic |
| Greenville | | as a heart condition, cancer or | | statement of the sums due and owed |
| Albany | | diabetes. Conversely, if you were | | to an agent under the agent's contract |
| Sumter | | unhealthy when you acquired your | | with an insurer. |
| Johnstown | | policy, and your health has now | | |
| Lafayette | | improved, it might be time to shop for | | Examiner: An employee assigned by |
| Edmond | | a new policy, as your rates are likely | | the state insurance department to |
| Davenport | | to be lower. | | audit insurers' records. |
