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| Orlando | | Healthy people have the best | | Commission of Authority: A document |
| Sacramento | | mortality risks and thus are much | | outlining the powers delegated to an |
| Zanesville | | cheaper for companies to insure. This | | agent by an insurer. |
| Montgomery | | translates into lower rates for the | | |
| Virginia Beach | | Super Preferred customer than | | Level Commission System: A system |
| High Point | | someone with higher risk factors such | | of commissions in which the first year |
| Jacksonville | | as a heart condition, cancer or | | and all renewal commissions are the |
| Spartanburg | | diabetes. Conversely, if you were | | same percentage of the premium. |
| Waterloo | | unhealthy when you acquired your | | |
| Cypress | | policy, and your health has now | | Approved: The condition which exists |
| Springfield | | improved, it might be time to shop for | | when the person or object to be |
| High Point | | a new policy, as your rates are likely | | insured meets the underwriting |
| Springfield | | to be lower. | | standards of the insurer. |