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| Gainesville | | People who are trying to quit | | Liabilities: Money owed or expected |
| Malden | | smoking, for example, might be best | | to be owed. Insurance company |
| Rochester | | suited purchasing a shorter term (and | | financial statements, for instance, |
| Eugene | | then replacing it with a longer term | | show assets and liabilities. |
| Cherry Hill | | policy when they qualify for | | |
| Union | | non-tobacco prices). | | Malinger: To feign a disability for the |
| White Plains | | | | purpose of continuing to collect |
| Akron | | The quickest and easiest way to | | benefits longer than actually |
| Florissant | | shop for new insurance is by | | necessary. |
| Muskegon | | comparing rates at InsWebs online | | |
| Riverside | | marketplace. If you do it the | | Initial Premium: An amount paid at the |
| Amarillo | | old-fashioned way (by calling or | | inception of an insurance contract, |
| Allentown | | visiting multiple agents or insurance | | usually subject to adjustment at the |
| Arlington | | companies) it could take up a huge | | end of the policy period. |
| Richmond | | chunk of your time, which no one | | |
| Augusta | | wants or needs. By completing | | Malicious Mischief: Similar to |
| Indianapolis | | InsWebs online application, you will | | vandalism. Purposely damaging the |
| Birmingham | | have rates to compare to your old | | rights or property of another. |
| Cranston | | ones within minutes! | | |
| Southfield | | | | Approved: The condition which exists |
| Boise | | The best time to switch policies is | | when the person or object to be |
| Lakeland | | within one month of receiving your | | insured meets the underwriting |
| Littleton | | policy renewal from your current | | standards of the insurer. |
| Dothan | | insurer. You can typically cancel your | | |
| Jackson | | policy without any fees or penalties if | | Cut Rate: This term generally applies |
| Santa Ana | | you act within this time period. | | to insurance companies who charge |
| Springfield | | | | premiums below a normal or average |
| Monroe | | Healthy people have the best | | rate. |
| Edmond | | mortality risks and thus are much | | |
| Williamsburg | | cheaper for companies to insure. This | | Preferred Risk: Any risk considered |
| Oceanside | | translates into lower rates for the | | to be better than the standard risk on |
| Macon | | Super Preferred customer than | | which the premium rate was |
| Fayetteville | | someone with higher risk factors such | | calculated. |
| Odessa | | as a heart condition, cancer or | | |
| Portland | | diabetes. Conversely, if you were | | |
| North Hollywood | | unhealthy when you acquired your | | |
| Jasper | | policy, and your health has now | | |
| Rockville | | improved, it might be time to shop for | | |
| Manchester | | a new policy, as your rates are likely | | |
| Savannah | | to be lower. | | |
