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| Midland | | Healthy people have the best | | Net Retention: The amount of |
| Ventura | | mortality risks and thus are much | | insurance that a ceding company |
| Pasadena | | cheaper for companies to insure. This | | keeps for its own account and does |
| Cincinnati | | translates into lower rates for the | | not reinsure. |
| Lowell | | Super Preferred customer than | | |
| Silver Spring | | someone with higher risk factors such | | Initial Premium: An amount paid at the |
| Cleveland | | as a heart condition, cancer or | | inception of an insurance contract, |
| Mesquite | | diabetes. Conversely, if you were | | usually subject to adjustment at the |
| Evansville | | unhealthy when you acquired your | | end of the policy period. |
| Berkeley | | policy, and your health has now | | |
| Athens | | improved, it might be time to shop for | | Claim Report: A report filed by an |
| Decatur | | a new policy, as your rates are likely | | agent setting forth the facts of a claim. |
| Birmingham | | to be lower. | | Same as Loss Report. |