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| Lafayette | | Healthy people have the best | | Valuation Clause: A clause stating the |
| Newport News | | mortality risks and thus are much | | value of items for insurance |
| Garland | | cheaper for companies to insure. This | | purposes, making it a valued policy. |
| Huntington Beach | | translates into lower rates for the | | |
| New Port Richey | | Super Preferred customer than | | Gross Premium: The net premium |
| Syracuse | | someone with higher risk factors such | | plus operating expenses, |
| St. Paul | | as a heart condition, cancer or | | commissions and other expenses. |
| Lancaster | | diabetes. Conversely, if you were | | |
| Coral Springs | | unhealthy when you acquired your | | Nonadmitted Insurer: An insurer not |
| Seattle | | policy, and your health has now | | licensed to do business in the |
| Quincy | | improved, it might be time to shop for | | jurisdiction in question. Same as |
| Boynton Beach | | a new policy, as your rates are likely | | Unauthorized Insurer and Unlicensed |
| Bradenton | | to be lower. | | Insurer. |
