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| West Chester | | Healthy people have the best | | Lapsed Policy: One which has been |
| Dayton | | mortality risks and thus are much | | allowed to expire because of |
| Ogden | | cheaper for companies to insure. This | | nonpayment of premiums. |
| San Antonio | | translates into lower rates for the | | |
| Greeley | | Super Preferred customer than | | Renewal: The reestablishment of the |
| Hemet | | someone with higher risk factors such | | in-force status of a policy, the term of |
| Elkhart | | as a heart condition, cancer or | | which has expired or will expire |
| Memphis | | diabetes. Conversely, if you were | | unless it is renewed. |
| Panama City | | unhealthy when you acquired your | | |
| Poughkeepsie | | policy, and your health has now | | Earned Income: The money |
| Englewood | | improved, it might be time to shop for | | individuals earn as a result of working |
| Kalamazoo | | a new policy, as your rates are likely | | at some job or occupation for which |
| Acworth | | to be lower. | | they are paid a salary. |
