| | | | |
|
| Springfield | | Healthy people have the best | | Endorsement: A written or printed form |
| Schaumburg | | mortality risks and thus are much | | attached to the policy which alters |
| Warwick | | cheaper for companies to insure. This | | provisions of the contract. |
| Hartford | | translates into lower rates for the | | |
| Metairie | | Super Preferred customer than | | Appraisal: An evaluation of property |
| Alpharetta | | someone with higher risk factors such | | made to ascertain either the |
| Springfield | | as a heart condition, cancer or | | appropriate amount of insurance to |
| Tampa | | diabetes. Conversely, if you were | | be written or the amount of loss to be |
| Thousand Oaks | | unhealthy when you acquired your | | paid. |
| Hampton | | policy, and your health has now | | |
| Vancouver | | improved, it might be time to shop for | | Renewal: The reestablishment of the |
| Providence | | a new policy, as your rates are likely | | in-force status of a policy, the term of |
| Biloxi | | to be lower. | | which has expired or will expire |
| Portland | | | | unless it is renewed. |
| Winter Haven | | People who are trying to quit | | |
| Topeka | | smoking, for example, might be best | | Deficit Carried Forward: The transfer |
| Spokane | | suited purchasing a shorter term (and | | of a debit balance from one |
| Marietta | | then replacing it with a longer term | | accounting period to another. |
| Springfield | | policy when they qualify for | | |
| Columbia | | non-tobacco prices). | | Malinger: To feign a disability for the |
| Chicago | | | | purpose of continuing to collect |
| Woodbridge | | If you decide to cancel your policy | | benefits longer than actually |
| San Antonio | | (after acquiring new coverage) | | necessary. |
| Edmond | | outside of the 30-day period, you may | | |
| Duluth | | have to pay a fee or penalty. | | Independent Contractor: One who |
| Evansville | | However, you may still save money | | agrees to perform according to a |
| Lorain | | after paying the fee if your new policy | | contract and who is not an employee. |
| West Palm Beach | | affords you significant savings. So | | |
| Killeen | | while it is best to wait until your | | Fictitious Groups: Groups formed |
| Tulsa | | receive your renewal notice, you CAN | | primarily for the purpose of buying |
| Roanoke | | cancel your policy at any time. | | insurance. Under the law such groups |
| Dubuque | | | | may not be underwritten. |
| Lake Charles | | The quickest and easiest way to | | |
| Redlands | | shop for new insurance is by | | Director of Insurance: A title used in |
| Cambridge | | comparing rates at InsWebs online | | some states for the head of the |
| Salt Lake City | | marketplace. If you do it the | | department of insurance. |
| Corona | | old-fashioned way (by calling or | | |
| Peoria | | visiting multiple agents or insurance | | |
| Bakersfield | | companies) it could take up a huge | | |
| Plano | | chunk of your time, which no one | | |
| Buffalo | | wants or needs. By completing | | |
| Amarillo | | InsWebs online application, you will | | |
| Newark | | have rates to compare to your old | | |
| Columbus | | ones within minutes! | | |
