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| North Hollywood | | Healthy people have the best | | Gross Premium: The net premium |
| Decatur | | mortality risks and thus are much | | plus operating expenses, |
| Bayside | | cheaper for companies to insure. This | | commissions and other expenses. |
| Fullerton | | translates into lower rates for the | | |
| Houma | | Super Preferred customer than | | Provisional Rate: Tentative rates, |
| Glendale | | someone with higher risk factors such | | premiums or commissions that are |
| Fayetteville | | as a heart condition, cancer or | | subject to subsequent adjustment. |
| Fall River | | diabetes. Conversely, if you were | | See Commission and Premium. |
| Rome | | unhealthy when you acquired your | | |
| Garland | | policy, and your health has now | | Calendar Year Experience: This |
| Saginaw | | improved, it might be time to shop for | | measures the premiums and losses |
| West Chester | | a new policy, as your rates are likely | | entered on accounting records during |
| Bradenton | | to be lower. | | the 12-month calendar. |