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| Lexington | | Healthy people have the best | | Loss Frequency: The number of times |
| Spokane | | mortality risks and thus are much | | a loss occurs over a specific period |
| Pittsburgh | | cheaper for companies to insure. This | | of time. |
| Arlington | | translates into lower rates for the | | |
| Pensacola | | Super Preferred customer than | | Substandard Risk: A risk not |
| Pensacola | | someone with higher risk factors such | | measuring up to underwriting |
| Kalamazoo | | as a heart condition, cancer or | | standards. It may still be written but |
| Lake Worth | | diabetes. Conversely, if you were | | usually at a surcharged premium. |
| Charlotte | | unhealthy when you acquired your | | |
| Charleston | | policy, and your health has now | | Agency Company: An insurance |
| Newburgh | | improved, it might be time to shop for | | company that produces business |
| Tyler | | a new policy, as your rates are likely | | through an agency network. Contrast |
| Albany | | to be lower. | | with Direct Writer. |
