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| Jersey City | | Healthy people have the best | | Other Insurance: The existence of |
| Spartanburg | | mortality risks and thus are much | | other contracts covering the same |
| Abilene | | cheaper for companies to insure. This | | interest and perils. |
| Augusta | | translates into lower rates for the | | |
| Santa Ana | | Super Preferred customer than | | Flat Cancellation: A policy which is |
| San Bernardino | | someone with higher risk factors such | | cancelled upon its effective date. |
| Green Bay | | as a heart condition, cancer or | | Usually under a flat cancellation no |
| White Plains | | diabetes. Conversely, if you were | | premium charge is made. |
| Sarasota | | unhealthy when you acquired your | | |
| Philadelphia | | policy, and your health has now | | Captive Agent: One who sells |
| El Paso | | improved, it might be time to shop for | | insurance for only one company as |
| York | | a new policy, as your rates are likely | | opposed to an agent who represents |
| Delray Beach | | to be lower. | | several companies. |
