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| Melbourne | | If you have noticed that your auto | | Lloyd's Broker: A person who has the |
| Boston | | insurance rates are still increasing | | authority to negotiate insurance |
| Mansfield | | with each renewal, or even have not | | contracts with the underwriters on the |
| Norwalk | | gone down even though you have a | | floor at Lloyd's. |
| Bloomington | | great driving record, this lower pricing | | |
| Littleton | | trend makes it more important then | | Brokerage Department: A department |
| Mesa | | ever that you shop around for auto | | of an insurer whose purpose is to |
| Elkhart | | insurance. | | deal with brokers in the placing of |
| Dubuque | | | | insurance. |
| St. Louis | | Healthy people have the best | | |
| Columbia | | mortality risks and thus are much | | Capital Sum: The maximum lump sum |
| Austin | | cheaper for companies to insure. This | | payable in the event of accidental |
| Brooklyn | | translates into lower rates for the | | death or dismemberment. |
| Naperville | | Super Preferred customer than | | |
| Alexandria | | someone with higher risk factors such | | Approved: The condition which exists |
| Stockbridge | | as a heart condition, cancer or | | when the person or object to be |
| Lakewood | | diabetes. Conversely, if you were | | insured meets the underwriting |
| Fayetteville | | unhealthy when you acquired your | | standards of the insurer. |
| Lakewood | | policy, and your health has now | | |
| Tampa | | improved, it might be time to shop for | | Mandatory Valuation Reserve: A |
| Littleton | | a new policy, as your rates are likely | | reserve required by a state law to |
| Huntington | | to be lower. | | offset any declines in the valuation of |
| Goldsboro | | | | securities listed as admitted assets. |
| Palm Desert | | While some companies raise their | | |
| Fort Lauderdale | | prices based on your actual age, | | Claim Report: A report filed by an |
| Decatur | | most companies increase the price of | | agent setting forth the facts of a claim. |
| Rome | | their policies six months before your | | Same as Loss Report. |
| Boca Raton | | birthday. Its a term called Age | | |
| Evanston | | Nearest in the industry, and that | | Agent's Balance: A periodic |
| Louisville | | half-year price increase could really | | statement of the sums due and owed |
| Nashua | | add up over a 20-year term policy. As | | to an agent under the agent's contract |
| Lakewood | | above, the quicker you purchase your | | with an insurer. |
| Fort Myers | | policy the better. | | |
| Waco | | | | Captive Agent: One who sells |
| Redlands | | | | insurance for only one company as |
| Whittier | | | | opposed to an agent who represents |
| Daytona Beach | | | | several companies. |
