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| Fort Collins | | Healthy people have the best | | Exclusion: A contractual provision that |
| Long Beach | | mortality risks and thus are much | | denies coverage for certain perils, |
| Rockford | | cheaper for companies to insure. This | | persons, property, or locations. |
| Columbus | | translates into lower rates for the | | |
| Glendale | | Super Preferred customer than | | Agency: An insurance sales office |
| Fort Collins | | someone with higher risk factors such | | which is directed by a agent, |
| Duluth | | as a heart condition, cancer or | | manager, independent agent, or |
| Oklahoma City | | diabetes. Conversely, if you were | | company manager. |
| Cypress | | unhealthy when you acquired your | | |
| Sarasota | | policy, and your health has now | | Losses Incurred: The total losses, |
| Charlotte | | improved, it might be time to shop for | | whether paid or not, sustained by an |
| Tyler | | a new policy, as your rates are likely | | insurer during a given period, e.g., 12 |
| Venice | | to be lower. | | months. |
