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| Akron | | Healthy people have the best | | Amendment: A formal document |
| Augusta | | mortality risks and thus are much | | which corrects or revises an |
| Delray Beach | | cheaper for companies to insure. This | | insurance master policy. |
| Sterling Heights | | translates into lower rates for the | | |
| St. Joseph | | Super Preferred customer than | | Examiner: An employee assigned by |
| Newark | | someone with higher risk factors such | | the state insurance department to |
| Greeley | | as a heart condition, cancer or | | audit insurers' records. |
| Sioux City | | diabetes. Conversely, if you were | | |
| Downey | | unhealthy when you acquired your | | American Risk and Insurance |
| Lexington | | policy, and your health has now | | Association: An association of |
| Chesapeake | | improved, it might be time to shop for | | insurance educators and others |
| Norfolk | | a new policy, as your rates are likely | | interested in insurance study and |
| Englewood | | to be lower. | | research. |