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| Palm Desert | | Healthy people have the best | | Retrospective Premium: The final |
| Berkeley | | mortality risks and thus are much | | premium in a retrospective rating |
| Abilene | | cheaper for companies to insure. This | | plan. See Retrospective Rating. |
| Coral Springs | | translates into lower rates for the | | |
| Edmond | | Super Preferred customer than | | Gross Premium: The net premium |
| Tacoma | | someone with higher risk factors such | | plus operating expenses, |
| Lubbock | | as a heart condition, cancer or | | commissions and other expenses. |
| Santa Clara | | diabetes. Conversely, if you were | | |
| Topeka | | unhealthy when you acquired your | | Initial Premium: An amount paid at the |
| Grand Prairie | | policy, and your health has now | | inception of an insurance contract, |
| Charleston | | improved, it might be time to shop for | | usually subject to adjustment at the |
| Portland | | a new policy, as your rates are likely | | end of the policy period. |
| Kansas City | | to be lower. | | |
| Huntington | | | | Interstate Carrier: A transportation |
| Anderson | | Everyone has different needs, and | | company which does business |
| Cherry Hill | | not one size fits all when it comes to | | across state lines. |
| Toledo | | term life insurance. While it may make | | |
| Muskegon | | sense for people in their 30s and 40s | | Building Code: This refers to |
| Chicago | | to secure a 20-year term length, a | | municipal or other governmental |
| Columbus | | 10-year term might be more | | ordinances regulating the type of |
| Schaumburg | | appropriate for someone nearing | | construction of buildings within its |
| Madison | | retirement. | | jurisdiction. |
