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| Kansas City | | Healthy people have the best | | Gross Line: The total limit accepted |
| Glendale | | mortality risks and thus are much | | by an insurer on an individual risk, |
| Chesapeake | | cheaper for companies to insure. This | | including the amount to be reinsured. |
| Fayetteville | | translates into lower rates for the | | |
| Norwalk | | Super Preferred customer than | | Partial Loss: A loss covered by an |
| Quincy | | someone with higher risk factors such | | insurance policy which does not |
| Jackson | | as a heart condition, cancer or | | completely destroy or render |
| Macon | | diabetes. Conversely, if you were | | worthless the insured property. |
| Portland | | unhealthy when you acquired your | | |
| Syracuse | | policy, and your health has now | | Accident Year Experience: Measures |
| Dallas | | improved, it might be time to shop for | | premiums and losses relating to |
| Vero Beach | | a new policy, as your rates are likely | | accidents which occurred during a |
| Tulsa | | to be lower. | | 12-month period. |
