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| Panama City | | Healthy people have the best | | Liabilities: Money owed or expected |
| Lubbock | | mortality risks and thus are much | | to be owed. Insurance company |
| Carlsbad | | cheaper for companies to insure. This | | financial statements, for instance, |
| Bay City | | translates into lower rates for the | | show assets and liabilities. |
| Tyler | | Super Preferred customer than | | |
| Irving | | someone with higher risk factors such | | Capital Sum: The maximum lump sum |
| Morristown | | as a heart condition, cancer or | | payable in the event of accidental |
| Birmingham | | diabetes. Conversely, if you were | | death or dismemberment. |
| Flushing | | unhealthy when you acquired your | | |
| Torrance | | policy, and your health has now | | Tariff Rate: A rate established by a |
| Palm Harbor | | improved, it might be time to shop for | | rating organization, which comes from |
| Lawton | | a new policy, as your rates are likely | | the tables, schedules and rules found |
| Cypress | | to be lower. | | in the tariff of rates. |