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| Owensboro | | Healthy people have the best | | Loss Frequency: The number of times |
| Boca Raton | | mortality risks and thus are much | | a loss occurs over a specific period |
| Denton | | cheaper for companies to insure. This | | of time. |
| Duluth | | translates into lower rates for the | | |
| Tempe | | Super Preferred customer than | | Deductible: The portion of an insured |
| Gainesville | | someone with higher risk factors such | | loss to be borne by the insured |
| Goldsboro | | as a heart condition, cancer or | | before he is entitled to recovery from |
| Valdosta | | diabetes. Conversely, if you were | | the insurer. |
| Sterling Heights | | unhealthy when you acquired your | | |
| Wichita Falls | | policy, and your health has now | | Line of Business: The classification of |
| Mansfield | | improved, it might be time to shop for | | business as utilized in the insurance |
| Newburgh | | a new policy, as your rates are likely | | industry, e.g., Fire, Allied Lines and |
| Wichita | | to be lower. | | Homeowners. |
