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| Denver | | Healthy people have the best | | Burning Ratio: The ratio of losses |
| Milwaukee | | mortality risks and thus are much | | suffered to the amount of insurance in |
| Waterloo | | cheaper for companies to insure. This | | effect. |
| Fullerton | | translates into lower rates for the | | |
| Huntington | | Super Preferred customer than | | Substandard Risk: A risk not |
| Columbia | | someone with higher risk factors such | | measuring up to underwriting |
| Washington | | as a heart condition, cancer or | | standards. It may still be written but |
| Davenport | | diabetes. Conversely, if you were | | usually at a surcharged premium. |
| Cedar Rapids | | unhealthy when you acquired your | | |
| Cranston | | policy, and your health has now | | Brokerage Department: A department |
| Cape Coral | | improved, it might be time to shop for | | of an insurer whose purpose is to |
| Allentown | | a new policy, as your rates are likely | | deal with brokers in the placing of |
| Coral Springs | | to be lower. | | insurance. |
