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| Mountain View | | Healthy people have the best | | Depreciation: A decrease in the value |
| Wichita Falls | | mortality risks and thus are much | | of any type of tangible property over |
| Evansville | | cheaper for companies to insure. This | | a period of time resulting from use, |
| Oakland | | translates into lower rates for the | | wear and tear, or obsolescence. |
| Huntington | | Super Preferred customer than | | |
| Augusta | | someone with higher risk factors such | | Overlapping Insurance: Coverage |
| Harlingen | | as a heart condition, cancer or | | from two or more policies or insurers |
| Conroe | | diabetes. Conversely, if you were | | which duplicates coverage of certain |
| Long Beach | | unhealthy when you acquired your | | risks. |
| Escondido | | policy, and your health has now | | |
| Yonkers | | improved, it might be time to shop for | | Accident: An unplanned event, |
| Bloomington | | a new policy, as your rates are likely | | unexpected and undesigned, which |
| Allentown | | to be lower. | | occurs suddenly and at a definite |
| Albany | | | | place. |
| Glendale | | People who are trying to quit | | |
| Kingsport | | smoking, for example, might be best | | Dual Life Stock Company: A stock |
| Saginaw | | suited purchasing a shorter term (and | | Life insurer issuing both participating |
| Boston | | then replacing it with a longer term | | and nonparticipating policy contracts. |
| Kalamazoo | | policy when they qualify for | | |
| Troy | | non-tobacco prices). | | Collusion: An agreement, usually |
| Billings | | | | secret, between two or more persons |
| Rochester | | Everyone has different needs, and | | to defraud or deprive another or |
| Killeen | | not one size fits all when it comes to | | others of their property or rights. |
| Bloomington | | term life insurance. While it may make | | |
| Boca Raton | | sense for people in their 30s and 40s | | Deflation: An economic period |
| Melbourne | | to secure a 20-year term length, a | | characterized by falling prices, high |
| Springfield | | 10-year term might be more | | unemployment and a generally |
| Albuquerque | | appropriate for someone nearing | | sluggish or slow economy. |
| Anderson | | retirement. | | |
| Nashua | | | | Multi-Peril Policies: Policies which |
| Montgomery | | Make sure you have a new policy in | | cover a number of perils, such as fire, |
| Irvine | | place before you cancel your old one | | burglary, and liability, in a single |
| Charlotte | | to avoid a lapse in coverage. This will | | contract. |
| Fort Collins | | also prevent having to figure out the | | |
| Coral Springs | | amount of any unused premium that is | | |
| Milwaukee | | due to you from your old insurance | | |
| San Diego | | company, or having to spar with your | | |
| Oakland | | agent about exactly when your policy | | |
| Orlando | | was cancelled and how much they | | |
| Baltimore | | owe you. | | |
