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| Portland | | At InsWeb, you can compare free | | Lapsed Policy: One which has been |
| Bayside | | online insurance quotes from many of | | allowed to expire because of |
| Longwood | | the nations leading insurance | | nonpayment of premiums. |
| Decatur | | companies. | | |
| Columbus | | | | Insurance to Value: Insurance written |
| Goldsboro | | People who are trying to quit | | in an amount approximating the value |
| Overland Park | | smoking, for example, might be best | | of the property insured. |
| Los Angeles | | suited purchasing a shorter term (and | | |
| Cookeville | | then replacing it with a longer term | | Agency: An insurance sales office |
| Melbourne | | policy when they qualify for | | which is directed by a agent, |
| Lexington | | non-tobacco prices). | | manager, independent agent, or |
| Chula Vista | | | | company manager. |
| Silver Spring | | Why not take advantage of current | | |
| Arlington | | low prices? Many auto insurance | | National Auto Theft Bureau: An |
| Newburgh | | consumers are becoming educated | | organization engaged in the |
| Fayetteville | | on other companies, plans, and rates | | prevention and reduction of motor |
| Kansas City | | that are available to them; ones that | | vehicle fire and theft losses. |
| Memphis | | could afford them significant savings | | |
| Cedar Rapids | | on their auto insurance. | | Dual Life Stock Company: A stock |
| Longview | | | | Life insurer issuing both participating |
| Springfield | | Individuals who have 30-year | | and nonparticipating policy contracts. |
| Huntington Beach | | mortgages might want to consider a | | |
| Roanoke | | 30-year term to ensure that the house | | Brokerage Department: A department |
| Nashville | | is protected throughout the period of | | of an insurer whose purpose is to |
| Akron | | the loan. | | deal with brokers in the placing of |
| Lincoln | | | | insurance. |
| Poughkeepsie | | Healthy people have the best | | |
| Longmont | | mortality risks and thus are much | | Lloyd's Broker: A person who has the |
| Reno | | cheaper for companies to insure. This | | authority to negotiate insurance |
| San Diego | | translates into lower rates for the | | contracts with the underwriters on the |
| Denver | | Super Preferred customer than | | floor at Lloyd's. |
| Saginaw | | someone with higher risk factors such | | |
| Alameda | | as a heart condition, cancer or | | Premium: The price of insurance |
| Hattiesburg | | diabetes. Conversely, if you were | | protection for a specified risk for a |
| Pueblo | | unhealthy when you acquired your | | specified period of time. |
| Los Angeles | | policy, and your health has now | | |
| Albany | | improved, it might be time to shop for | | |
| Flint | | a new policy, as your rates are likely | | |
| Waco | | to be lower. | | |
