| | | | |
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| Hickory | | Healthy people have the best | | Authorized Insurer: An insurer |
| Topeka | | mortality risks and thus are much | | authorized by the state to transact |
| Phoenix | | cheaper for companies to insure. This | | business in that state for specific |
| Jackson | | translates into lower rates for the | | types of insurance. |
| Columbia | | Super Preferred customer than | | |
| Melbourne | | someone with higher risk factors such | | Independent Agent: An agent |
| Miami | | as a heart condition, cancer or | | operating as an independent |
| Scranton | | diabetes. Conversely, if you were | | contractor under the independent |
| Davenport | | unhealthy when you acquired your | | agency system. |
| Rochester | | policy, and your health has now | | |
| Fort Wayne | | improved, it might be time to shop for | | Not Taken: Policies applied for and |
| Mesquite | | a new policy, as your rates are likely | | issued but rejected by the proposed |
| Denver | | to be lower. | | owner and not paid for. |
