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| Palm Desert | | Healthy people have the best | | Broker of Record: A broker who has |
| Florissant | | mortality risks and thus are much | | been designated to handle certain |
| Irvine | | cheaper for companies to insure. This | | insurance contracts for the |
| York | | translates into lower rates for the | | policyholder. |
| Chesapeake | | Super Preferred customer than | | |
| Oceanside | | someone with higher risk factors such | | Exclusion: A contractual provision that |
| Modesto | | as a heart condition, cancer or | | denies coverage for certain perils, |
| Bakersfield | | diabetes. Conversely, if you were | | persons, property, or locations. |
| Oakland | | unhealthy when you acquired your | | |
| Springfield | | policy, and your health has now | | Commingling: An illegal practice |
| Asheville | | improved, it might be time to shop for | | which occurs when an agent mixes |
| San Francisco | | a new policy, as your rates are likely | | personal funds with the insured's or |
| Owensboro | | to be lower. | | insurer's funds. |
