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| Houston | | Healthy people have the best | | Retail Credit Company: The former |
| Beaumont | | mortality risks and thus are much | | name of Equifax, a credit reporting |
| Coral Springs | | cheaper for companies to insure. This | | organization. See Equifax. |
| Joliet | | translates into lower rates for the | | |
| Dothan | | Super Preferred customer than | | Cut Rate: This term generally applies |
| Richmond | | someone with higher risk factors such | | to insurance companies who charge |
| Harlingen | | as a heart condition, cancer or | | premiums below a normal or average |
| Lubbock | | diabetes. Conversely, if you were | | rate. |
| Mountain View | | unhealthy when you acquired your | | |
| Omaha | | policy, and your health has now | | Notice of Cancellation: Written notice |
| Elkhart | | improved, it might be time to shop for | | by an insurer of intent to cancel |
| Fort Myers | | a new policy, as your rates are likely | | insurance, or written notice by an |
| Union | | to be lower. | | insured requesting cancellation. |