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| Akron | | Healthy people have the best | | Premises: The particular location of |
| Clearwater | | mortality risks and thus are much | | property or a portion thereof as |
| York | | cheaper for companies to insure. This | | designated in a policy. |
| Charlotte | | translates into lower rates for the | | |
| Carlsbad | | Super Preferred customer than | | Malinger: To feign a disability for the |
| York | | someone with higher risk factors such | | purpose of continuing to collect |
| Silver Spring | | as a heart condition, cancer or | | benefits longer than actually |
| Cambridge | | diabetes. Conversely, if you were | | necessary. |
| Palm Desert | | unhealthy when you acquired your | | |
| Bayside | | policy, and your health has now | | Line of Business: The classification of |
| Houston | | improved, it might be time to shop for | | business as utilized in the insurance |
| Alexandria | | a new policy, as your rates are likely | | industry, e.g., Fire, Allied Lines and |
| Worcester | | to be lower. | | Homeowners. |