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| Cookeville | | Healthy people have the best | | Countersignature: The signature of a |
| Peoria | | mortality risks and thus are much | | licensed agent or representative on a |
| Akron | | cheaper for companies to insure. This | | policy. |
| Pembroke Pines | | translates into lower rates for the | | |
| Springfield | | Super Preferred customer than | | Liabilities: Money owed or expected |
| Fort Collins | | someone with higher risk factors such | | to be owed. Insurance company |
| Tuscaloosa | | as a heart condition, cancer or | | financial statements, for instance, |
| Greensboro | | diabetes. Conversely, if you were | | show assets and liabilities. |
| Decatur | | unhealthy when you acquired your | | |
| Cranston | | policy, and your health has now | | Depreciation: A decrease in the value |
| Gaithersburg | | improved, it might be time to shop for | | of any type of tangible property over |
| Union | | a new policy, as your rates are likely | | a period of time resulting from use, |
| Fairfax | | to be lower. | | wear and tear, or obsolescence. |