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| Lakewood | | People who are trying to quit | | Malinger: To feign a disability for the |
| Conroe | | smoking, for example, might be best | | purpose of continuing to collect |
| Sunnyvale | | suited purchasing a shorter term (and | | benefits longer than actually |
| Waterloo | | then replacing it with a longer term | | necessary. |
| Aurora | | policy when they qualify for | | |
| Providence | | non-tobacco prices). | | Expense Allowance: A compensation |
| Metairie | | | | paid to an insurance agent in excess |
| Los Angeles | | At InsWeb, you can compare free | | of prescribed commissions. |
| Beaumont | | online insurance quotes from many of | | |
| Thousand Oaks | | the nations leading insurance | | Accident Year Experience: Measures |
| Austin | | companies. | | premiums and losses relating to |
| Fresno | | | | accidents which occurred during a |
| Philadelphia | | We offer quotes for auto insurance, | | 12-month period. |
| Lansing | | life insurance, homeowners | | |
| Tallahassee | | insurance, health insurance, term life | | Deductible: The portion of an insured |
| Valdosta | | insurance and more. | | loss to be borne by the insured |
| Lincoln | | | | before he is entitled to recovery from |
| Scottsdale | | If you decide to cancel your policy | | the insurer. |
| Livonia | | (after acquiring new coverage) | | |
| Greensboro | | outside of the 30-day period, you may | | Retail Credit Company: The former |
| Nashville | | have to pay a fee or penalty. | | name of Equifax, a credit reporting |
| Gainesville | | However, you may still save money | | organization. See Equifax. |
| Hattiesburg | | after paying the fee if your new policy | | |
| Cleveland | | affords you significant savings. So | | American Risk and Insurance |
| Hollywood | | while it is best to wait until your | | Association: An association of |
| Albany | | receive your renewal notice, you CAN | | insurance educators and others |
| New York | | cancel your policy at any time. | | interested in insurance study and |
| Milwaukee | | | | research. |
| Seattle | | Healthy people have the best | | |
| Thousand Oaks | | mortality risks and thus are much | | Commingling: An illegal practice |
| Spartanburg | | cheaper for companies to insure. This | | which occurs when an agent mixes |
| Killeen | | translates into lower rates for the | | personal funds with the insured's or |
| Myrtle Beach | | Super Preferred customer than | | insurer's funds. |
| Joliet | | someone with higher risk factors such | | |
| Panama City | | as a heart condition, cancer or | | |
| Lowell | | diabetes. Conversely, if you were | | |
| Honolulu | | unhealthy when you acquired your | | |
| Fremont | | policy, and your health has now | | |
| Stockton | | improved, it might be time to shop for | | |
| Bayside | | a new policy, as your rates are likely | | |
| Columbus | | to be lower. | | |
