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| Billings | | While some companies raise their | | Exclusions: Specific situations, |
| Lincoln | | prices based on your actual age, | | conditions, or circumstances that are |
| Littleton | | most companies increase the price of | | listed in the contract as being not |
| Cypress | | their policies six months before your | | covered. |
| Gainesville | | birthday. Its a term called Age | | |
| Corpus Christi | | Nearest in the industry, and that | | Claim Report: A report filed by an |
| Pueblo | | half-year price increase could really | | agent setting forth the facts of a claim. |
| St. Louis | | add up over a 20-year term policy. As | | Same as Loss Report. |
| Hot Springs | | above, the quicker you purchase your | | |
| Santa Barbara | | policy the better. | | Notice To Company: Written notice to |
| Kalamazoo | | | | an insurer of the occurrence of an |
| Reading | | At InsWeb, you can compare free | | event which a claim is to be based. |
| Yuma | | online insurance quotes from many of | | |
| Westbury | | the nations leading insurance | | Broker-Agent: One acting as an agent |
| Atlanta | | companies. | | of one or more insurers and as a |
| Nashville | | | | broker in dealing with one or more |
| Cypress | | Healthy people have the best | | other insurers. |
| Huntington | | mortality risks and thus are much | | |
| Los Angeles | | cheaper for companies to insure. This | | Not Taken: Policies applied for and |
| Harlingen | | translates into lower rates for the | | issued but rejected by the proposed |
| Poughkeepsie | | Super Preferred customer than | | owner and not paid for. |
| Albuquerque | | someone with higher risk factors such | | |
| Salt Lake City | | as a heart condition, cancer or | | Open Rating: A system whereby a |
| Phoenix | | diabetes. Conversely, if you were | | state allows an insurer to use rates |
| Rockford | | unhealthy when you acquired your | | without prior approval. |
| Belleville | | policy, and your health has now | | |
| Santa Barbara | | improved, it might be time to shop for | | Nonadmitted Insurer: An insurer not |
| Santa Clara | | a new policy, as your rates are likely | | licensed to do business in the |
| Cincinnati | | to be lower. | | jurisdiction in question. Same as |
| Roanoke | | | | Unauthorized Insurer and Unlicensed |
| Jersey City | | People who are trying to quit | | Insurer. |
| Greeley | | smoking, for example, might be best | | |
| Phoenix | | suited purchasing a shorter term (and | | Convention Values: Values assigned |
| Glendale | | then replacing it with a longer term | | to insurers' assets in the convention |
| Jackson | | policy when they qualify for | | blank. |
| Silver Spring | | non-tobacco prices). | | |
