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| Garland | | Individuals who have 30-year | | Single Limit: Any insurance coverage |
| San Jose | | mortgages might want to consider a | | which is expressed as a single |
| Livonia | | 30-year term to ensure that the house | | amount of insurance, or a single limit |
| Joliet | | is protected throughout the period of | | of liability. Contrast with Split Limit. |
| Peoria | | the loan. | | |
| Columbus | | | | Coding: A method of putting |
| Malden | | Healthy people have the best | | information into a numerical form for |
| Dothan | | mortality risks and thus are much | | statistical use. Most information on |
| Eugene | | cheaper for companies to insure. This | | policies is coded and then put into |
| Lorain | | translates into lower rates for the | | reports. |
| Allentown | | Super Preferred customer than | | |
| Florence | | someone with higher risk factors such | | Brokerage Department: A department |
| El Cajon | | as a heart condition, cancer or | | of an insurer whose purpose is to |
| Chandler | | diabetes. Conversely, if you were | | deal with brokers in the placing of |
| Cincinnati | | unhealthy when you acquired your | | insurance. |
| Springfield | | policy, and your health has now | | |
| Providence | | improved, it might be time to shop for | | Expense Allowance: A compensation |
| Walnut Creek | | a new policy, as your rates are likely | | paid to an insurance agent in excess |
| Lincoln | | to be lower. | | of prescribed commissions. |
