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| Johnson City | | Individuals who have 30-year | | You/Your: These words are used to |
| Palo Alto | | mortgages might want to consider a | | refer to the named insured in many of |
| Duluth | | 30-year term to ensure that the house | | the modernized/personalized policy |
| Charlotte | | is protected throughout the period of | | forms. |
| San Diego | | the loan. | | |
| Irvine | | | | Society of Insurance Research: An |
| Riverside | | While some companies raise their | | organization which encourages |
| Chula Vista | | prices based on your actual age, | | insurance research and promotes the |
| Salt Lake City | | most companies increase the price of | | exchange of ideas and methods of |
| Santa Clara | | their policies six months before your | | research. |
| Alameda | | birthday. Its a term called Age | | |
| Fairfax | | Nearest in the industry, and that | | Renewal: The reestablishment of the |
| Jersey City | | half-year price increase could really | | in-force status of a policy, the term of |
| Spring Hill | | add up over a 20-year term policy. As | | which has expired or will expire |
| Harrisburg | | above, the quicker you purchase your | | unless it is renewed. |
| Norfolk | | policy the better. | | |
| Cypress | | | | Burning Ratio: The ratio of losses |
| Nashua | | The quickest and easiest way to | | suffered to the amount of insurance in |
| Sacramento | | shop for new insurance is by | | effect. |
| Florissant | | comparing rates at InsWebs online | | |
| Gulfport | | marketplace. If you do it the | | Will Ride: Coverage that remains in |
| Stockbridge | | old-fashioned way (by calling or | | effect regardless of the geographical |
| Spring Hill | | visiting multiple agents or insurance | | location in which a loss occurs. |
| Oklahoma City | | companies) it could take up a huge | | |
| Norwalk | | chunk of your time, which no one | | Brokerage Business: Business |
| White Plains | | wants or needs. By completing | | offered to an insurer by a broker. This |
| Marietta | | InsWebs online application, you will | | is sometimes called excess or |
| Arlington | | have rates to compare to your old | | surplus business. |
| Glendale | | ones within minutes! | | |
| York | | | | Interstate Carrier: A transportation |
| Charleston | | Healthy people have the best | | company which does business |
| Yuma | | mortality risks and thus are much | | across state lines. |
| Indianapolis | | cheaper for companies to insure. This | | |
| Rome | | translates into lower rates for the | | Underwriters Laboratories, Inc. (UL): A |
| Livonia | | Super Preferred customer than | | testing laboratory for manufactured |
| Wichita Falls | | someone with higher risk factors such | | items to determine their safety |
| Franklin | | as a heart condition, cancer or | | propensities. |
| Santa Barbara | | diabetes. Conversely, if you were | | |
| Springfield | | unhealthy when you acquired your | | |
| Riverside | | policy, and your health has now | | |
| Columbus | | improved, it might be time to shop for | | |
| Toms River | | a new policy, as your rates are likely | | |
| Las Vegas | | to be lower. | | |
