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| Tyler | | Healthy people have the best | | Substandard Risk: A risk not |
| Miami | | mortality risks and thus are much | | measuring up to underwriting |
| Lincoln | | cheaper for companies to insure. This | | standards. It may still be written but |
| Lowell | | translates into lower rates for the | | usually at a surcharged premium. |
| Franklin | | Super Preferred customer than | | |
| Arlington | | someone with higher risk factors such | | Interstate Carrier: A transportation |
| Amarillo | | as a heart condition, cancer or | | company which does business |
| Spartanburg | | diabetes. Conversely, if you were | | across state lines. |
| Glendale | | unhealthy when you acquired your | | |
| Fort Worth | | policy, and your health has now | | Deflation: An economic period |
| Franklin | | improved, it might be time to shop for | | characterized by falling prices, high |
| Venice | | a new policy, as your rates are likely | | unemployment and a generally |
| Redlands | | to be lower. | | sluggish or slow economy. |
