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| Jackson | | Healthy people have the best | | Stock Option Plan: Surviving |
| Knoxville | | mortality risks and thus are much | | stockholders have the option to |
| Glendale | | cheaper for companies to insure. This | | purchase or not purchase the shares |
| Pueblo | | translates into lower rates for the | | of a deceased stockholder. |
| Joliet | | Super Preferred customer than | | |
| Nashua | | someone with higher risk factors such | | Inspection: Independent checking on |
| Troy | | as a heart condition, cancer or | | facts about an applicant, |
| Riverside | | diabetes. Conversely, if you were | | policyholder, or claimant, usually by a |
| Columbus | | unhealthy when you acquired your | | commercial inspection agency. |
| Providence | | policy, and your health has now | | |
| Sumter | | improved, it might be time to shop for | | Short-Term Policy: A policy written for |
| Owensboro | | a new policy, as your rates are likely | | a period of less time than is normal for |
| Duluth | | to be lower. | | that type of policy. |