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| Las Vegas | | Individuals who have 30-year | | Loss Frequency: The number of times |
| Carlsbad | | mortgages might want to consider a | | a loss occurs over a specific period |
| Fort Collins | | 30-year term to ensure that the house | | of time. |
| Lawrenceville | | is protected throughout the period of | | |
| Westbury | | the loan. | | Provisional Rate: Tentative rates, |
| Stuart | | | | premiums or commissions that are |
| Allentown | | If you decide to cancel your policy | | subject to subsequent adjustment. |
| Boulder | | (after acquiring new coverage) | | See Commission and Premium. |
| Fayetteville | | outside of the 30-day period, you may | | |
| Clearwater | | have to pay a fee or penalty. | | Renewal: The reestablishment of the |
| Nashville | | However, you may still save money | | in-force status of a policy, the term of |
| Glendale | | after paying the fee if your new policy | | which has expired or will expire |
| Glendale | | affords you significant savings. So | | unless it is renewed. |
| Gainesville | | while it is best to wait until your | | |
| Fremont | | receive your renewal notice, you CAN | | Agency: An insurance sales office |
| Wilmington | | cancel your policy at any time. | | which is directed by a agent, |
| Staten Island | | | | manager, independent agent, or |
| Elkhart | | Healthy people have the best | | company manager. |
| Chula Vista | | mortality risks and thus are much | | |
| Kansas City | | cheaper for companies to insure. This | | Basic Rate: The manual rate from |
| Bronx | | translates into lower rates for the | | which discounts are taken or to which |
| Mesa | | Super Preferred customer than | | charges are added to reflect the |
| Nashville | | someone with higher risk factors such | | individual circumstances of a risk. |
| Alexandria | | as a heart condition, cancer or | | |
| Jasper | | diabetes. Conversely, if you were | | Examiner: An employee assigned by |
| Newport News | | unhealthy when you acquired your | | the state insurance department to |
| Mesa | | policy, and your health has now | | audit insurers' records. |
| Longmont | | improved, it might be time to shop for | | |
| Atlanta | | a new policy, as your rates are likely | | Dual Life Stock Company: A stock |
| Springfield | | to be lower. | | Life insurer issuing both participating |
| Jonesboro | | | | and nonparticipating policy contracts. |
| South Bend | | The quickest and easiest way to | | |
| Chattanooga | | shop for new insurance is by | | Nonadmitted Insurer: An insurer not |
| Dallas | | comparing rates at InsWebs online | | licensed to do business in the |
| Arlington | | marketplace. If you do it the | | jurisdiction in question. Same as |
| Lorain | | old-fashioned way (by calling or | | Unauthorized Insurer and Unlicensed |
| Omaha | | visiting multiple agents or insurance | | Insurer. |
| Fort Wayne | | companies) it could take up a huge | | |
| Orange Park | | chunk of your time, which no one | | |
| Sunnyvale | | wants or needs. By completing | | |
| Alameda | | InsWebs online application, you will | | |
| Zanesville | | have rates to compare to your old | | |
| Columbia | | ones within minutes! | | |
