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| Raleigh | | Healthy people have the best | | Indemnify: To restore the victim of a |
| Sioux Falls | | mortality risks and thus are much | | loss to the same position as before |
| Springfield | | cheaper for companies to insure. This | | the loss occurred. |
| Naples | | translates into lower rates for the | | |
| Lima | | Super Preferred customer than | | Mutualization: The process of |
| Huntington Beach | | someone with higher risk factors such | | converting a stock insurer to a mutual |
| Muskegon | | as a heart condition, cancer or | | insurer, accomplished by having the |
| Lake Charles | | diabetes. Conversely, if you were | | insurer buy stock and retire it. |
| Jacksonville | | unhealthy when you acquired your | | |
| Alameda | | policy, and your health has now | | Brokerage Business: Business |
| Birmingham | | improved, it might be time to shop for | | offered to an insurer by a broker. This |
| Des Moines | | a new policy, as your rates are likely | | is sometimes called excess or |
| Newark | | to be lower. | | surplus business. |