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| Newark | | Individuals who have 30-year | | Criticism: A correction suggested by a |
| Tucson | | mortgages might want to consider a | | rating or auditing bureau to an insurer. |
| Waterloo | | 30-year term to ensure that the house | | |
| Ventura | | is protected throughout the period of | | Index Bureau Experience: A measure |
| Warren | | the loan. | | of losses relating to claims reported |
| Council Bluffs | | | | through a claim office during a |
| Jacksonville | | Why not take advantage of current | | 12-month period. |
| New Orleans | | low prices? Many auto insurance | | |
| Pueblo | | consumers are becoming educated | | Losses Incurred: The total losses, |
| Cranston | | on other companies, plans, and rates | | whether paid or not, sustained by an |
| Zanesville | | that are available to them; ones that | | insurer during a given period, e.g., 12 |
| Mesquite | | could afford them significant savings | | months. |
| Minneapolis | | on their auto insurance. | | |
| Lima | | | | Notice To Company: Written notice to |
| Lake Worth | | Healthy people have the best | | an insurer of the occurrence of an |
| Scottsdale | | mortality risks and thus are much | | event which a claim is to be based. |
| Madison | | cheaper for companies to insure. This | | |
| Edison | | translates into lower rates for the | | Shock Loss: A catastrophic loss so |
| Odessa | | Super Preferred customer than | | large that it has a material effect on |
| Chesapeake | | someone with higher risk factors such | | the underwriting results of a company. |
| Lubbock | | as a heart condition, cancer or | | |
| Scranton | | diabetes. Conversely, if you were | | Substandard Risk: A risk not |
| Gainesville | | unhealthy when you acquired your | | measuring up to underwriting |
| Canton | | policy, and your health has now | | standards. It may still be written but |
| Scottsdale | | improved, it might be time to shop for | | usually at a surcharged premium. |
| Riverside | | a new policy, as your rates are likely | | |
| Jasper | | to be lower. | | Other Insurance: The existence of |
| Cambridge | | | | other contracts covering the same |
| Olympia | | At InsWeb, you can compare free | | interest and perils. |
| New Port Richey | | online insurance quotes from many of | | |
| Olympia | | the nations leading insurance | | Malicious Mischief: Similar to |
| Tucson | | companies. | | vandalism. Purposely damaging the |
| Lake Charles | | | | rights or property of another. |
| Santa Monica | | Everyone has different needs, and | | |
| Carlsbad | | not one size fits all when it comes to | | |
| High Point | | term life insurance. While it may make | | |
| Cranston | | sense for people in their 30s and 40s | | |
| Edison | | to secure a 20-year term length, a | | |
| Reno | | 10-year term might be more | | |
| Stockbridge | | appropriate for someone nearing | | |
| Allentown | | retirement. | | |
