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| Grand Prairie | | While some companies raise their | | Agent's Balance: A periodic |
| Kansas City | | prices based on your actual age, | | statement of the sums due and owed |
| Akron | | most companies increase the price of | | to an agent under the agent's contract |
| Mesa | | their policies six months before your | | with an insurer. |
| Lorain | | birthday. Its a term called Age | | |
| Baton Rouge | | Nearest in the industry, and that | | Book Value: Refers to the value of |
| Grand Rapids | | half-year price increase could really | | assets as shown in the official |
| Lancaster | | add up over a 20-year term policy. As | | accounting records of the company. |
| High Point | | above, the quicker you purchase your | | |
| Youngstown | | policy the better. | | Nonassignable: A policy that the |
| Stuart | | | | owner cannot assign to a third party. |
| Canton | | Individuals who have 30-year | | Most policies are nonassignable |
| Evanston | | mortgages might want to consider a | | unless approval is given by the |
| Ventura | | 30-year term to ensure that the house | | insurer. |
| Garland | | is protected throughout the period of | | |
| Portland | | the loan. | | Earned Income: The money |
| Riverside | | | | individuals earn as a result of working |
| Montgomery | | We offer quotes for auto insurance, | | at some job or occupation for which |
| Bloomington | | life insurance, homeowners | | they are paid a salary. |
| Stuart | | insurance, health insurance, term life | | |
| Newburgh | | insurance and more. | | Borderline Risk: An insurance |
| Daytona Beach | | | | prospect of doubtful quality from an |
| Wilmington | | The best time to switch policies is | | underwriting point of view. |
| Charleston | | within one month of receiving your | | |
| Winter Haven | | policy renewal from your current | | Tabular Plan: A retrospective rating |
| Longwood | | insurer. You can typically cancel your | | plan, which uses tables to furnish the |
| Aurora | | policy without any fees or penalties if | | various values for the rating formula. |
| Syracuse | | you act within this time period. | | |
| Lake Charles | | | | Basic Rate: The manual rate from |
| Billings | | Healthy people have the best | | which discounts are taken or to which |
| Oklahoma City | | mortality risks and thus are much | | charges are added to reflect the |
| Littleton | | cheaper for companies to insure. This | | individual circumstances of a risk. |
| Harrisburg | | translates into lower rates for the | | |
| Redlands | | Super Preferred customer than | | Provisions: Statements contained in |
| Downey | | someone with higher risk factors such | | an insurance policy which explain the |
| Lima | | as a heart condition, cancer or | | benefits, conditions and other |
| Boise | | diabetes. Conversely, if you were | | features of the insurance contract. |
| Hot Springs | | unhealthy when you acquired your | | |
| Redlands | | policy, and your health has now | | |
| Olympia | | improved, it might be time to shop for | | |
| Sumter | | a new policy, as your rates are likely | | |
| Winter Park | | to be lower. | | |
