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| Johnson City | | Healthy people have the best | | Policy Period (or Term): The period |
| Edison | | mortality risks and thus are much | | during which the policy contract |
| Denver | | cheaper for companies to insure. This | | affords protection, e.g., six months or |
| Pompano Beach | | translates into lower rates for the | | one or three years. |
| Fort Smith | | Super Preferred customer than | | |
| Florence | | someone with higher risk factors such | | Provisional Rate: Tentative rates, |
| Turlock | | as a heart condition, cancer or | | premiums or commissions that are |
| Dallas | | diabetes. Conversely, if you were | | subject to subsequent adjustment. |
| Lorain | | unhealthy when you acquired your | | See Commission and Premium. |
| Fayetteville | | policy, and your health has now | | |
| Billings | | improved, it might be time to shop for | | Lapsed Policy: One which has been |
| Stockbridge | | a new policy, as your rates are likely | | allowed to expire because of |
| Waterloo | | to be lower. | | nonpayment of premiums. |
