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| Kingsport | | Healthy people have the best | | Index Bureau Experience: A measure |
| Monroe | | mortality risks and thus are much | | of losses relating to claims reported |
| Jackson | | cheaper for companies to insure. This | | through a claim office during a |
| Slidell | | translates into lower rates for the | | 12-month period. |
| Midland | | Super Preferred customer than | | |
| Cherry Hill | | someone with higher risk factors such | | Policywriting Agent: An agent who has |
| St. Paul | | as a heart condition, cancer or | | the authority to prepare and effect an |
| Grand Junction | | diabetes. Conversely, if you were | | insurer's policy. |
| Lakewood | | unhealthy when you acquired your | | |
| Portland | | policy, and your health has now | | Tariff Rate: A rate established by a |
| Dayton | | improved, it might be time to shop for | | rating organization, which comes from |
| Fort Wayne | | a new policy, as your rates are likely | | the tables, schedules and rules found |
| Marietta | | to be lower. | | in the tariff of rates. |