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| San Francisco | | Healthy people have the best | | Accidental Bodily Injury: An injury |
| Harlingen | | mortality risks and thus are much | | sustained accidentally. Only the result |
| Metairie | | cheaper for companies to insure. This | | need be accidental. Contrast with |
| Sterling Heights | | translates into lower rates for the | | Accidental Means. |
| Newark | | Super Preferred customer than | | |
| El Cajon | | someone with higher risk factors such | | Director of Insurance: A title used in |
| Richmond | | as a heart condition, cancer or | | some states for the head of the |
| St. Paul | | diabetes. Conversely, if you were | | department of insurance. |
| Modesto | | unhealthy when you acquired your | | |
| Joliet | | policy, and your health has now | | Cut Rate: This term generally applies |
| Little Rock | | improved, it might be time to shop for | | to insurance companies who charge |
| Los Angeles | | a new policy, as your rates are likely | | premiums below a normal or average |
| Stockton | | to be lower. | | rate. |