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| Fort Worth | | Healthy people have the best | | Provisions: Statements contained in |
| Chula Vista | | mortality risks and thus are much | | an insurance policy which explain the |
| Albany | | cheaper for companies to insure. This | | benefits, conditions and other |
| Portland | | translates into lower rates for the | | features of the insurance contract. |
| Omaha | | Super Preferred customer than | | |
| Fremont | | someone with higher risk factors such | | Fictitious Groups: Groups formed |
| San Francisco | | as a heart condition, cancer or | | primarily for the purpose of buying |
| Owensboro | | diabetes. Conversely, if you were | | insurance. Under the law such groups |
| Lincoln | | unhealthy when you acquired your | | may not be underwritten. |
| Morristown | | policy, and your health has now | | |
| Dubuque | | improved, it might be time to shop for | | Notice To Company: Written notice to |
| Owensboro | | a new policy, as your rates are likely | | an insurer of the occurrence of an |
| Dearborn | | to be lower. | | event which a claim is to be based. |
