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| Decatur | | Healthy people have the best | | Open Rating: A system whereby a |
| Anderson | | mortality risks and thus are much | | state allows an insurer to use rates |
| Toledo | | cheaper for companies to insure. This | | without prior approval. |
| Boise | | translates into lower rates for the | | |
| Palo Alto | | Super Preferred customer than | | Interline Endorsement: Commercial |
| Schaumburg | | someone with higher risk factors such | | endorsements that apply, or could |
| Columbus | | as a heart condition, cancer or | | apply, to more than one coverage |
| Amarillo | | diabetes. Conversely, if you were | | part of a package policy. |
| Muncie | | unhealthy when you acquired your | | |
| Scottsdale | | policy, and your health has now | | Fictitious Groups: Groups formed |
| Palm Harbor | | improved, it might be time to shop for | | primarily for the purpose of buying |
| Irvine | | a new policy, as your rates are likely | | insurance. Under the law such groups |
| Irvine | | to be lower. | | may not be underwritten. |
