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| Indianapolis | | While some companies raise their | | Cut Rate: This term generally applies |
| Reno | | prices based on your actual age, | | to insurance companies who charge |
| Springfield | | most companies increase the price of | | premiums below a normal or average |
| Baltimore | | their policies six months before your | | rate. |
| Evanston | | birthday. Its a term called Age | | |
| Riverside | | Nearest in the industry, and that | | Accident: An unplanned event, |
| Southfield | | half-year price increase could really | | unexpected and undesigned, which |
| Westbury | | add up over a 20-year term policy. As | | occurs suddenly and at a definite |
| Sunnyvale | | above, the quicker you purchase your | | place. |
| Lima | | policy the better. | | |
| Columbus | | | | Monoline Policy: Any insurance |
| St. Paul | | Healthy people have the best | | coverage written as a single line |
| Columbia | | mortality risks and thus are much | | policy. Contrast with Multiple Line or |
| San Jose | | cheaper for companies to insure. This | | Package policy. |
| Fort Wayne | | translates into lower rates for the | | |
| Grand Rapids | | Super Preferred customer than | | Overlapping Insurance: Coverage |
| San Antonio | | someone with higher risk factors such | | from two or more policies or insurers |
| Lakeland | | as a heart condition, cancer or | | which duplicates coverage of certain |
| Slidell | | diabetes. Conversely, if you were | | risks. |
| Council Bluffs | | unhealthy when you acquired your | | |
| Owensboro | | policy, and your health has now | | Agent's Qualification Law: Education, |
| Conroe | | improved, it might be time to shop for | | experience, and other requirements |
| Scottsdale | | a new policy, as your rates are likely | | imposed by the state upon persons |
| Yuma | | to be lower. | | desiring to be licensed as agents. |
