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| Palo Alto | | Healthy people have the best | | Brokerage Business: Business |
| Sarasota | | mortality risks and thus are much | | offered to an insurer by a broker. This |
| Boca Raton | | cheaper for companies to insure. This | | is sometimes called excess or |
| Louisville | | translates into lower rates for the | | surplus business. |
| Cookeville | | Super Preferred customer than | | |
| Seattle | | someone with higher risk factors such | | Overlapping Insurance: Coverage |
| Roanoke | | as a heart condition, cancer or | | from two or more policies or insurers |
| Kingsport | | diabetes. Conversely, if you were | | which duplicates coverage of certain |
| Pittsburgh | | unhealthy when you acquired your | | risks. |
| Killeen | | policy, and your health has now | | |
| Stamford | | improved, it might be time to shop for | | Insurance Policy: The printed form |
| Grand Rapids | | a new policy, as your rates are likely | | which serves as the contract between |
| Fort Worth | | to be lower. | | an insurer and an insured. |
