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| Bay City | | Individuals who have 30-year | | Buy-Back" Deductible: A deductible |
| Flushing | | mortgages might want to consider a | | which may be eliminated for an |
| Syracuse | | 30-year term to ensure that the house | | additional premium in order to |
| Council Bluffs | | is protected throughout the period of | | provide "first-dollar" coverage. |
| Gaithersburg | | the loan. | | |
| New York | | | | Approved: The condition which exists |
| Hattiesburg | | People who are trying to quit | | when the person or object to be |
| Portsmouth | | smoking, for example, might be best | | insured meets the underwriting |
| Inglewood | | suited purchasing a shorter term (and | | standards of the insurer. |
| Fort Smith | | then replacing it with a longer term | | |
| Jacksonville | | policy when they qualify for | | Adjustment Bureau: A firm organized |
| Rochester | | non-tobacco prices). | | to provide adjustment services to |
| Lake Charles | | | | insurers not wishing to create their |
| Florissant | | The quickest and easiest way to | | own claims division. |
| Dearborn | | shop for new insurance is by | | |
| Los Angeles | | comparing rates at InsWebs online | | Index Bureau Experience: A measure |
| Omaha | | marketplace. If you do it the | | of losses relating to claims reported |
| Scottsdale | | old-fashioned way (by calling or | | through a claim office during a |
| Tyler | | visiting multiple agents or insurance | | 12-month period. |
| San Jose | | companies) it could take up a huge | | |
| Decatur | | chunk of your time, which no one | | Tickler: A reminder system used to |
| Westbury | | wants or needs. By completing | | call an individual's attention to actions |
| Los Angeles | | InsWebs online application, you will | | that must be taken at a future point in |
| Duluth | | have rates to compare to your old | | time. |
| Fort Worth | | ones within minutes! | | |
| Lakewood | | | | Commingling: An illegal practice |
| Longwood | | While some companies raise their | | which occurs when an agent mixes |
| Gaithersburg | | prices based on your actual age, | | personal funds with the insured's or |
| Harrisburg | | most companies increase the price of | | insurer's funds. |
| Lansing | | their policies six months before your | | |
| Belleville | | birthday. Its a term called Age | | Lloyd's Broker: A person who has the |
| Mountain View | | Nearest in the industry, and that | | authority to negotiate insurance |
| Newport Beach | | half-year price increase could really | | contracts with the underwriters on the |
| Santa Ana | | add up over a 20-year term policy. As | | floor at Lloyd's. |
| Tallahassee | | above, the quicker you purchase your | | |
| Santa Clara | | policy the better. | | |
