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| Rochester | | Healthy people have the best | | Agency Contract (or Agreement): The |
| West Palm Beach | | mortality risks and thus are much | | document which establishes the legal |
| Littleton | | cheaper for companies to insure. This | | relationship between an agent and an |
| Jackson | | translates into lower rates for the | | insurer. |
| Kansas City | | Super Preferred customer than | | |
| Orange Park | | someone with higher risk factors such | | Book Value: Refers to the value of |
| Boynton Beach | | as a heart condition, cancer or | | assets as shown in the official |
| Mesquite | | diabetes. Conversely, if you were | | accounting records of the company. |
| Boulder | | unhealthy when you acquired your | | |
| Olympia | | policy, and your health has now | | Tariff Rate: A rate established by a |
| Fremont | | improved, it might be time to shop for | | rating organization, which comes from |
| Fremont | | a new policy, as your rates are likely | | the tables, schedules and rules found |
| Winter Park | | to be lower. | | in the tariff of rates. |