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| Chicago | | Healthy people have the best | | Claim: A demand made by the |
| San Diego | | mortality risks and thus are much | | insured, or the insured's beneficiary, |
| Poughkeepsie | | cheaper for companies to insure. This | | for payment of the benefits provided |
| Anchorage | | translates into lower rates for the | | by the contract. |
| Dothan | | Super Preferred customer than | | |
| Boynton Beach | | someone with higher risk factors such | | Collusion: An agreement, usually |
| Spring Hill | | as a heart condition, cancer or | | secret, between two or more persons |
| Rapid City | | diabetes. Conversely, if you were | | to defraud or deprive another or |
| Zanesville | | unhealthy when you acquired your | | others of their property or rights. |
| Carlsbad | | policy, and your health has now | | |
| Kalamazoo | | improved, it might be time to shop for | | Building Code: This refers to |
| Racine | | a new policy, as your rates are likely | | municipal or other governmental |
| Gainesville | | to be lower. | | ordinances regulating the type of |
| Lexington | | | | construction of buildings within its |
| Macon | | Individuals who have 30-year | | jurisdiction. |
| Jacksonville | | mortgages might want to consider a | | |
| Conroe | | 30-year term to ensure that the house | | Net Loss: The amount of loss |
| Greenville | | is protected throughout the period of | | sustained by an insurer after giving |
| Cape Coral | | the loan. | | effect to all applicable reinsurance, |
| Longmont | | | | salvage, and subrogation recoveries. |
| Phoenix | | At InsWeb, you can compare free | | |
| Kansas City | | online insurance quotes from many of | | National Auto Theft Bureau: An |
| Thousand Oaks | | the nations leading insurance | | organization engaged in the |
| Costa Mesa | | companies. | | prevention and reduction of motor |
| Orange Park | | | | vehicle fire and theft losses. |
| Kalamazoo | | Make sure you have a new policy in | | |
| Lubbock | | place before you cancel your old one | | Approved Roof: A term used in |
| Arlington | | to avoid a lapse in coverage. This will | | building construction. It indicates a |
| Boca Raton | | also prevent having to figure out the | | roof made of fire-resistive materials, |
| Killeen | | amount of any unused premium that is | | such as tile or asphalt shingles. |
| Hartford | | due to you from your old insurance | | |
| Bradenton | | company, or having to spar with your | | Society of Insurance Research: An |
| Salem | | agent about exactly when your policy | | organization which encourages |
| Amarillo | | was cancelled and how much they | | insurance research and promotes the |
| Williamsport | | owe you. | | exchange of ideas and methods of |
| Lawrenceville | | | | research. |
