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| Livonia | | Shopping around is the best way to | | Valuation Clause: A clause stating the |
| Raleigh | | save money on your insurance. | | value of items for insurance |
| Hot Springs | | | | purposes, making it a valued policy. |
| Huntington | | Healthy people have the best | | |
| Long Beach | | mortality risks and thus are much | | Tickler: A reminder system used to |
| Irving | | cheaper for companies to insure. This | | call an individual's attention to actions |
| Springfield | | translates into lower rates for the | | that must be taken at a future point in |
| Grand Rapids | | Super Preferred customer than | | time. |
| Quincy | | someone with higher risk factors such | | |
| Sioux Falls | | as a heart condition, cancer or | | Short-Term Policy: A policy written for |
| Oakland | | diabetes. Conversely, if you were | | a period of less time than is normal for |
| Nashville | | unhealthy when you acquired your | | that type of policy. |
| Houma | | policy, and your health has now | | |
| North Hollywood | | improved, it might be time to shop for | | Policywriting Agent: An agent who has |
| Flushing | | a new policy, as your rates are likely | | the authority to prepare and effect an |
| Muskegon | | to be lower. | | insurer's policy. |
