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| Duluth | | Healthy people have the best | | Replacement: A new policy written to |
| Albuquerque | | mortality risks and thus are much | | take the place of one currently in force. |
| Cleveland | | cheaper for companies to insure. This | | |
| Rockford | | translates into lower rates for the | | Provisional Rate: Tentative rates, |
| Littleton | | Super Preferred customer than | | premiums or commissions that are |
| Harlingen | | someone with higher risk factors such | | subject to subsequent adjustment. |
| Palm Desert | | as a heart condition, cancer or | | See Commission and Premium. |
| Anaheim | | diabetes. Conversely, if you were | | |
| Morristown | | unhealthy when you acquired your | | Depreciation: A decrease in the value |
| Newport Beach | | policy, and your health has now | | of any type of tangible property over |
| Cookeville | | improved, it might be time to shop for | | a period of time resulting from use, |
| Cape Coral | | a new policy, as your rates are likely | | wear and tear, or obsolescence. |
| Louisville | | to be lower. | | |
| Santa Ana | | | | Not Taken: Policies applied for and |
| Sunnyvale | | Life insurance, specifically Term Life, | | issued but rejected by the proposed |
| Glendale | | is arguably one of the best values in | | owner and not paid for. |
| Oklahoma City | | the entire financial services arena. | | |
| Irvine | | Where else can you go and get | | Collusion: An agreement, usually |
| Washington | | hundreds of thousands of dollars in | | secret, between two or more persons |
| Houma | | protection for literally pennies per | | to defraud or deprive another or |
| Glendale | | day? Rates for Term Life insurance | | others of their property or rights. |
| Minneapolis | | remain at all-time lows, and now is the | | |
| Valdosta | | time to lock in the best prices. | | Building Code: This refers to |
| Erie | | | | municipal or other governmental |
| Longmont | | At InsWeb, you can compare free | | ordinances regulating the type of |
| Roanoke | | online insurance quotes from many of | | construction of buildings within its |
| Pembroke Pines | | the nations leading insurance | | jurisdiction. |
| Zanesville | | companies. | | |
| Spokane | | | | Divided Cover: The placing of |
| Santa Clara | | Make sure you have a new policy in | | insurance on a given subject or |
| Fort Myers | | place before you cancel your old one | | object with more than one insurer. |
| Louisville | | to avoid a lapse in coverage. This will | | |
| Conroe | | also prevent having to figure out the | | Burning Ratio: The ratio of losses |
| Texarkana | | amount of any unused premium that is | | suffered to the amount of insurance in |
| Lake Charles | | due to you from your old insurance | | effect. |
| Syracuse | | company, or having to spar with your | | |
| Anchorage | | agent about exactly when your policy | | |
| Irving | | was cancelled and how much they | | |
| Duluth | | owe you. | | |
