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| Wilmington | | People who are trying to quit | | Commingling: An illegal practice |
| Boise | | smoking, for example, might be best | | which occurs when an agent mixes |
| Eugene | | suited purchasing a shorter term (and | | personal funds with the insured's or |
| Dearborn | | then replacing it with a longer term | | insurer's funds. |
| Warwick | | policy when they qualify for | | |
| Livonia | | non-tobacco prices). | | Paid-In Surplus: Surplus paid in by |
| Long Beach | | | | stockholders, as contrasted with |
| Cedar Rapids | | Healthy people have the best | | surplus earned through the |
| Daytona Beach | | mortality risks and thus are much | | operations of a business. |
| Spokane | | cheaper for companies to insure. This | | |
| Redlands | | translates into lower rates for the | | Theory of Probability: The |
| Santa Rosa | | Super Preferred customer than | | mathematical principle upon which |
| St. Paul | | someone with higher risk factors such | | insurance is based. |
| Portland | | as a heart condition, cancer or | | |
| Jasper | | diabetes. Conversely, if you were | | Exclusions: Specific situations, |
| Waco | | unhealthy when you acquired your | | conditions, or circumstances that are |
| Marietta | | policy, and your health has now | | listed in the contract as being not |
| Yuma | | improved, it might be time to shop for | | covered. |
| Riverside | | a new policy, as your rates are likely | | |
| Wilmington | | to be lower. | | Partnership: A business enterprise |
| Boulder | | | | owned and operated by two or more |
| Milwaukee | | The best time to switch policies is | | persons for the purpose of generating |
| Vineland | | within one month of receiving your | | business income and profits. |
| Torrance | | policy renewal from your current | | |
| Minneapolis | | insurer. You can typically cancel your | | Short Rate Premium: The premium |
| Charlotte | | policy without any fees or penalties if | | required for issuing a policy for a |
| Frederick | | you act within this time period. | | period less than its normal term. |
