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| Stuart | | Individuals who have 30-year | | Absolute Assignment: Assignment by |
| Edmond | | mortgages might want to consider a | | a policy owner of all control of and |
| Tallahassee | | 30-year term to ensure that the house | | rights in the policy to a third party. |
| Reading | | is protected throughout the period of | | |
| Atlanta | | the loan. | | Broker-Agent: One acting as an agent |
| Biloxi | | | | of one or more insurers and as a |
| Hot Springs | | If you have noticed that your auto | | broker in dealing with one or more |
| Athens | | insurance rates are still increasing | | other insurers. |
| Phoenix | | with each renewal, or even have not | | |
| Cherry Hill | | gone down even though you have a | | Borderline Risk: An insurance |
| Oklahoma City | | great driving record, this lower pricing | | prospect of doubtful quality from an |
| Newport News | | trend makes it more important then | | underwriting point of view. |
| Irvine | | ever that you shop around for auto | | |
| Tacoma | | insurance. | | Agent's License: A certificate of |
| Fremont | | | | authority from the state which permits |
| Lawton | | Healthy people have the best | | the agent to conduct business. |
| Jacksonville | | mortality risks and thus are much | | |
| Lakeland | | cheaper for companies to insure. This | | Incurred Expense: Expenses not yet |
| Sioux City | | translates into lower rates for the | | paid. Can also include paid |
| Topeka | | Super Preferred customer than | | expenses in some accounting |
| Fullerton | | someone with higher risk factors such | | systems. |
| Spokane | | as a heart condition, cancer or | | |
| Woodbridge | | diabetes. Conversely, if you were | | Public Adjuster: An insurance adjuster |
| Knoxville | | unhealthy when you acquired your | | who represents an insured on a fee |
| Hot Springs | | policy, and your health has now | | basis in claims settlement. Contrast |
| Grand Junction | | improved, it might be time to shop for | | with Independent Adjuster. |
| Naperville | | a new policy, as your rates are likely | | |
| Palm Desert | | to be lower. | | Policy Period (or Term): The period |
| Carlsbad | | | | during which the policy contract |
| Evansville | | Shopping around is the best way to | | affords protection, e.g., six months or |
| West Palm Beach | | save money on your insurance. | | one or three years. |
