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| Hemet | | Healthy people have the best | | Interstate Carrier: A transportation |
| Gainesville | | mortality risks and thus are much | | company which does business |
| Cookeville | | cheaper for companies to insure. This | | across state lines. |
| Florissant | | translates into lower rates for the | | |
| Thousand Oaks | | Super Preferred customer than | | Interline Endorsement: Commercial |
| Quincy | | someone with higher risk factors such | | endorsements that apply, or could |
| Salem | | as a heart condition, cancer or | | apply, to more than one coverage |
| Pittsburgh | | diabetes. Conversely, if you were | | part of a package policy. |
| Decatur | | unhealthy when you acquired your | | |
| Bronx | | policy, and your health has now | | Equity: The money value of an |
| Jackson | | improved, it might be time to shop for | | insurance company that is over and |
| Portland | | a new policy, as your rates are likely | | above its liabilities. Liabilities include |
| Canton | | to be lower. | | almost all of its reserves. |