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| Bay City | | Healthy people have the best | | Monoline Policy: Any insurance |
| Indianapolis | | mortality risks and thus are much | | coverage written as a single line |
| Panama City | | cheaper for companies to insure. This | | policy. Contrast with Multiple Line or |
| Arlington | | translates into lower rates for the | | Package policy. |
| Costa Mesa | | Super Preferred customer than | | |
| Durham | | someone with higher risk factors such | | Time Limits: The limits of time within |
| Mansfield | | as a heart condition, cancer or | | which notice of a claim and proof of a |
| Cambridge | | diabetes. Conversely, if you were | | loss must be submitted. |
| Columbus | | unhealthy when you acquired your | | |
| York | | policy, and your health has now | | Captive Agent: One who sells |
| Fort Lauderdale | | improved, it might be time to shop for | | insurance for only one company as |
| Santa Clara | | a new policy, as your rates are likely | | opposed to an agent who represents |
| Longview | | to be lower. | | several companies. |