| | | | |
|
| Baton Rouge | | Healthy people have the best | | Earned Income: The money |
| Olympia | | mortality risks and thus are much | | individuals earn as a result of working |
| Racine | | cheaper for companies to insure. This | | at some job or occupation for which |
| Westbury | | translates into lower rates for the | | they are paid a salary. |
| Springfield | | Super Preferred customer than | | |
| Metairie | | someone with higher risk factors such | | Liquidity: The ability of an insurer to |
| Lansing | | as a heart condition, cancer or | | convert its assets into cash to pay |
| Wilmington | | diabetes. Conversely, if you were | | claims if necessary. |
| Spring Hill | | unhealthy when you acquired your | | |
| Beaumont | | policy, and your health has now | | Retrospective Premium: The final |
| Woodbridge | | improved, it might be time to shop for | | premium in a retrospective rating |
| Phoenix | | a new policy, as your rates are likely | | plan. See Retrospective Rating. |
| Naperville | | to be lower. | | |
| Newburgh | | | | Insurance Examiner: The |
| Washington | | Individuals who have 30-year | | representative of a state insurance |
| Cleveland | | mortgages might want to consider a | | department assigned to participate in |
| Baton Rouge | | 30-year term to ensure that the house | | the official audit and examination of |
| Rapid City | | is protected throughout the period of | | an insurer. |
| Trenton | | the loan. | | |
| Macon | | | | Captive Agent: One who sells |
| Cookeville | | If you have noticed that your auto | | insurance for only one company as |
| Daytona Beach | | insurance rates are still increasing | | opposed to an agent who represents |
| Aurora | | with each renewal, or even have not | | several companies. |
| Portland | | gone down even though you have a | | |
| Cookeville | | great driving record, this lower pricing | | Single Limit: Any insurance coverage |
| Jackson | | trend makes it more important then | | which is expressed as a single |
| Spring Hill | | ever that you shop around for auto | | amount of insurance, or a single limit |
| Jersey City | | insurance. | | of liability. Contrast with Split Limit. |