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| New Orleans | | Healthy people have the best | | Retrospective Premium: The final |
| Edmond | | mortality risks and thus are much | | premium in a retrospective rating |
| Vancouver | | cheaper for companies to insure. This | | plan. See Retrospective Rating. |
| Norwalk | | translates into lower rates for the | | |
| Peoria | | Super Preferred customer than | | Substandard Risk: A risk not |
| Santa Monica | | someone with higher risk factors such | | measuring up to underwriting |
| Columbus | | as a heart condition, cancer or | | standards. It may still be written but |
| Jersey City | | diabetes. Conversely, if you were | | usually at a surcharged premium. |
| Scranton | | unhealthy when you acquired your | | |
| San Jose | | policy, and your health has now | | Premium Notice: A form notice from |
| Warren | | improved, it might be time to shop for | | an insurer or agency to a policy |
| Franklin | | a new policy, as your rates are likely | | owner that a premium will be due on a |
| Omaha | | to be lower. | | given date. |