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| Pittsburgh | | Healthy people have the best | | Agency Contract (or Agreement): The |
| Riverside | | mortality risks and thus are much | | document which establishes the legal |
| Manchester | | cheaper for companies to insure. This | | relationship between an agent and an |
| Union | | translates into lower rates for the | | insurer. |
| Canton | | Super Preferred customer than | | |
| Troy | | someone with higher risk factors such | | Nonadmitted Insurer: An insurer not |
| Hampton | | as a heart condition, cancer or | | licensed to do business in the |
| Lake Charles | | diabetes. Conversely, if you were | | jurisdiction in question. Same as |
| Oxnard | | unhealthy when you acquired your | | Unauthorized Insurer and Unlicensed |
| Cypress | | policy, and your health has now | | Insurer. |
| Orange | | improved, it might be time to shop for | | |
| Roanoke | | a new policy, as your rates are likely | | Claim: A demand made by the |
| Mobile | | to be lower. | | insured, or the insured's beneficiary, |
| Belleville | | | | for payment of the benefits provided |
| Owensboro | | People who are trying to quit | | by the contract. |
| Texarkana | | smoking, for example, might be best | | |
| Cypress | | suited purchasing a shorter term (and | | Domestic Insurer (or Company): An |
| Brooklyn | | then replacing it with a longer term | | insurer formed under the laws of the |
| Pompano Beach | | policy when they qualify for | | state in which the insurance is written. |
| Palm Desert | | non-tobacco prices). | | |
| Long Island City | | | | Replacement: A new policy written to |
| New Port Richey | | The best time to switch policies is | | take the place of one currently in force. |
| New Orleans | | within one month of receiving your | | |
| Cape Coral | | policy renewal from your current | | Gross Premium: The net premium |
| Winter Park | | insurer. You can typically cancel your | | plus operating expenses, |
| Acworth | | policy without any fees or penalties if | | commissions and other expenses. |
| Athens | | you act within this time period. | | |
| Bakersfield | | | | Loss Adjustment Expense: The cost |
| Chattanooga | | At InsWeb, you can compare free | | of adjusting losses, excluding the |
| Waco | | online insurance quotes from many of | | amount of the loss itself. |
| Anderson | | the nations leading insurance | | |
| Greenville | | companies. | | Overlapping Insurance: Coverage |
| Stuart | | | | from two or more policies or insurers |
| San Bernardino | | Individuals who have 30-year | | which duplicates coverage of certain |
| Fremont | | mortgages might want to consider a | | risks. |
| Kansas City | | 30-year term to ensure that the house | | |
| Scottsdale | | is protected throughout the period of | | |
| Seattle | | the loan. | | |
