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| Jackson | | Healthy people have the best | | Collusion: An agreement, usually |
| Wichita Falls | | mortality risks and thus are much | | secret, between two or more persons |
| Tacoma | | cheaper for companies to insure. This | | to defraud or deprive another or |
| Texarkana | | translates into lower rates for the | | others of their property or rights. |
| Virginia Beach | | Super Preferred customer than | | |
| Vero Beach | | someone with higher risk factors such | | Effective Date: The date on which the |
| Scottsdale | | as a heart condition, cancer or | | protection of an insurance policy or |
| Palm Harbor | | diabetes. Conversely, if you were | | bond goes into effect. |
| Billings | | unhealthy when you acquired your | | |
| Sacramento | | policy, and your health has now | | Mutualization: The process of |
| Fayetteville | | improved, it might be time to shop for | | converting a stock insurer to a mutual |
| Acworth | | a new policy, as your rates are likely | | insurer, accomplished by having the |
| Spring Hill | | to be lower. | | insurer buy stock and retire it. |
