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| El Cajon | | Healthy people have the best | | Line of Business: The classification of |
| Hot Springs | | mortality risks and thus are much | | business as utilized in the insurance |
| Rapid City | | cheaper for companies to insure. This | | industry, e.g., Fire, Allied Lines and |
| Ventura | | translates into lower rates for the | | Homeowners. |
| Edison | | Super Preferred customer than | | |
| Springfield | | someone with higher risk factors such | | Single Limit: Any insurance coverage |
| Santa Monica | | as a heart condition, cancer or | | which is expressed as a single |
| Livonia | | diabetes. Conversely, if you were | | amount of insurance, or a single limit |
| Madison | | unhealthy when you acquired your | | of liability. Contrast with Split Limit. |
| Davenport | | policy, and your health has now | | |
| Henderson | | improved, it might be time to shop for | | Deficit Carried Forward: The transfer |
| Canton | | a new policy, as your rates are likely | | of a debit balance from one |
| Minneapolis | | to be lower. | | accounting period to another. |