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| Fremont | | While some companies raise their | | Policywriting Agent: An agent who has |
| Kansas City | | prices based on your actual age, | | the authority to prepare and effect an |
| Minneapolis | | most companies increase the price of | | insurer's policy. |
| Ocala | | their policies six months before your | | |
| Orlando | | birthday. Its a term called Age | | Capital Sum: The maximum lump sum |
| Greenville | | Nearest in the industry, and that | | payable in the event of accidental |
| San Diego | | half-year price increase could really | | death or dismemberment. |
| Saginaw | | add up over a 20-year term policy. As | | |
| Winter Park | | above, the quicker you purchase your | | Collusion: An agreement, usually |
| Wilmington | | policy the better. | | secret, between two or more persons |
| Cedar Rapids | | | | to defraud or deprive another or |
| Scranton | | Healthy people have the best | | others of their property or rights. |
| Topeka | | mortality risks and thus are much | | |
| Portland | | cheaper for companies to insure. This | | Adjustment Bureau: A firm organized |
| Virginia Beach | | translates into lower rates for the | | to provide adjustment services to |
| Davenport | | Super Preferred customer than | | insurers not wishing to create their |
| Yonkers | | someone with higher risk factors such | | own claims division. |
| Athens | | as a heart condition, cancer or | | |
| Newark | | diabetes. Conversely, if you were | | Incurred Expense: Expenses not yet |
| Corpus Christi | | unhealthy when you acquired your | | paid. Can also include paid |
| Overland Park | | policy, and your health has now | | expenses in some accounting |
| Valdosta | | improved, it might be time to shop for | | systems. |
| Pittsburgh | | a new policy, as your rates are likely | | |
| Cypress | | to be lower. | | Malinger: To feign a disability for the |
| High Point | | | | purpose of continuing to collect |
| Lowell | | The best time to switch policies is | | benefits longer than actually |
| Winter Park | | within one month of receiving your | | necessary. |
| Pittsburgh | | policy renewal from your current | | |
| Escondido | | insurer. You can typically cancel your | | Short-Term Policy: A policy written for |
| Dubuque | | policy without any fees or penalties if | | a period of less time than is normal for |
| Anchorage | | you act within this time period. | | that type of policy. |
