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| Flushing | | Healthy people have the best | | Sole Proprietorship: A business |
| Longview | | mortality risks and thus are much | | enterprise owned by one person who |
| Glendale | | cheaper for companies to insure. This | | is its manager and employee. |
| Houma | | translates into lower rates for the | | |
| Jacksonville | | Super Preferred customer than | | Substandard Risk: A risk not |
| Palm Desert | | someone with higher risk factors such | | measuring up to underwriting |
| Eugene | | as a heart condition, cancer or | | standards. It may still be written but |
| Harlingen | | diabetes. Conversely, if you were | | usually at a surcharged premium. |
| Washington | | unhealthy when you acquired your | | |
| Bloomington | | policy, and your health has now | | Paid-In Surplus: Surplus paid in by |
| Akron | | improved, it might be time to shop for | | stockholders, as contrasted with |
| Mountain View | | a new policy, as your rates are likely | | surplus earned through the |
| Acworth | | to be lower. | | operations of a business. |
