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| Harrisburg | | Everyone has different needs, and | | Adjustment Bureau: A firm organized |
| Eugene | | not one size fits all when it comes to | | to provide adjustment services to |
| Portsmouth | | term life insurance. While it may make | | insurers not wishing to create their |
| Minneapolis | | sense for people in their 30s and 40s | | own claims division. |
| Pittsburgh | | to secure a 20-year term length, a | | |
| Lancaster | | 10-year term might be more | | Cut Rate: This term generally applies |
| Troy | | appropriate for someone nearing | | to insurance companies who charge |
| Lowell | | retirement. | | premiums below a normal or average |
| Hattiesburg | | | | rate. |
| Newport News | | If you have noticed that your auto | | |
| Vineland | | insurance rates are still increasing | | Retail Credit Company: The former |
| Glendale | | with each renewal, or even have not | | name of Equifax, a credit reporting |
| Council Bluffs | | gone down even though you have a | | organization. See Equifax. |
| Walnut Creek | | great driving record, this lower pricing | | |
| Schaumburg | | trend makes it more important then | | Accidental Bodily Injury: An injury |
| Riverside | | ever that you shop around for auto | | sustained accidentally. Only the result |
| Sunnyvale | | insurance. | | need be accidental. Contrast with |
| Midland | | | | Accidental Means. |
| Texarkana | | Healthy people have the best | | |
| Akron | | mortality risks and thus are much | | Agency Contract (or Agreement): The |
| Independence | | cheaper for companies to insure. This | | document which establishes the legal |
| Evanston | | translates into lower rates for the | | relationship between an agent and an |
| Kansas City | | Super Preferred customer than | | insurer. |
| Kansas City | | someone with higher risk factors such | | |
| South Bend | | as a heart condition, cancer or | | Net Loss: The amount of loss |
| Elkhart | | diabetes. Conversely, if you were | | sustained by an insurer after giving |
| Vero Beach | | unhealthy when you acquired your | | effect to all applicable reinsurance, |
| Jacksonville | | policy, and your health has now | | salvage, and subrogation recoveries. |
| Sarasota | | improved, it might be time to shop for | | |
| Virginia Beach | | a new policy, as your rates are likely | | Divided Cover: The placing of |
| Bellevue | | to be lower. | | insurance on a given subject or |
| Fall River | | | | object with more than one insurer. |
| Norwalk | | If you decide to cancel your policy | | |
| Canton | | (after acquiring new coverage) | | Provisions: Statements contained in |
| Edmond | | outside of the 30-day period, you may | | an insurance policy which explain the |
| Monroe | | have to pay a fee or penalty. | | benefits, conditions and other |
| Naperville | | However, you may still save money | | features of the insurance contract. |
| El Cajon | | after paying the fee if your new policy | | |
| Palm Harbor | | affords you significant savings. So | | |
| Buffalo | | while it is best to wait until your | | |
| Tyler | | receive your renewal notice, you CAN | | |
| Oxnard | | cancel your policy at any time. | | |
