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| Glendale | | Individuals who have 30-year | | Independent Agent: An agent |
| Wilmington | | mortgages might want to consider a | | operating as an independent |
| Portsmouth | | 30-year term to ensure that the house | | contractor under the independent |
| Pittsburgh | | is protected throughout the period of | | agency system. |
| Sioux City | | the loan. | | |
| Longmont | | | | Domestic Insurer (or Company): An |
| Harrisburg | | Healthy people have the best | | insurer formed under the laws of the |
| Miami | | mortality risks and thus are much | | state in which the insurance is written. |
| Cookeville | | cheaper for companies to insure. This | | |
| Scottsdale | | translates into lower rates for the | | Commercial Lines: This term is used |
| Jonesboro | | Super Preferred customer than | | to refer to insurance for businesses, |
| Chesapeake | | someone with higher risk factors such | | professionals, and commercial |
| Arlington | | as a heart condition, cancer or | | establishments. |
| Arlington | | diabetes. Conversely, if you were | | |
| Hattiesburg | | unhealthy when you acquired your | | Loss Adjustment Expense: The cost |
| Woodbridge | | policy, and your health has now | | of adjusting losses, excluding the |
| Troy | | improved, it might be time to shop for | | amount of the loss itself. |
| Baton Rouge | | a new policy, as your rates are likely | | |
| Dayton | | to be lower. | | Agency Contract (or Agreement): The |
| Long Island City | | | | document which establishes the legal |
| Orange Park | | If you have noticed that your auto | | relationship between an agent and an |
| Raleigh | | insurance rates are still increasing | | insurer. |
| Williamsburg | | with each renewal, or even have not | | |
| Rochester | | gone down even though you have a | | Earned Income: The money |
| Flushing | | great driving record, this lower pricing | | individuals earn as a result of working |
| Dallas | | trend makes it more important then | | at some job or occupation for which |
| Grand Junction | | ever that you shop around for auto | | they are paid a salary. |
| Billings | | insurance. | | |
| Shreveport | | | | Examiner: An employee assigned by |
| Macon | | Make sure you have a new policy in | | the state insurance department to |
| Springfield | | place before you cancel your old one | | audit insurers' records. |
| Tucson | | to avoid a lapse in coverage. This will | | |
| Jasper | | also prevent having to figure out the | | Countersignature: The signature of a |
| Torrance | | amount of any unused premium that is | | licensed agent or representative on a |
| Long Island City | | due to you from your old insurance | | policy. |
| Marietta | | company, or having to spar with your | | |
| Youngstown | | agent about exactly when your policy | | |
| Waterloo | | was cancelled and how much they | | |
| Lake Worth | | owe you. | | |
