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| Cambridge | | Healthy people have the best | | Tickler: A reminder system used to |
| Wichita Falls | | mortality risks and thus are much | | call an individual's attention to actions |
| Amarillo | | cheaper for companies to insure. This | | that must be taken at a future point in |
| New Orleans | | translates into lower rates for the | | time. |
| Mansfield | | Super Preferred customer than | | |
| Hollywood | | someone with higher risk factors such | | Captive Agent: One who sells |
| Glendale | | as a heart condition, cancer or | | insurance for only one company as |
| Warren | | diabetes. Conversely, if you were | | opposed to an agent who represents |
| Nashville | | unhealthy when you acquired your | | several companies. |
| Quincy | | policy, and your health has now | | |
| Troy | | improved, it might be time to shop for | | Independent Contractor: One who |
| Pembroke Pines | | a new policy, as your rates are likely | | agrees to perform according to a |
| Monroe | | to be lower. | | contract and who is not an employee. |
