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| Slidell | | Make sure you have a new policy in | | Borderline Risk: An insurance |
| Naperville | | place before you cancel your old one | | prospect of doubtful quality from an |
| Alpharetta | | to avoid a lapse in coverage. This will | | underwriting point of view. |
| Dubuque | | also prevent having to figure out the | | |
| Fayetteville | | amount of any unused premium that is | | Director of Insurance: A title used in |
| New York | | due to you from your old insurance | | some states for the head of the |
| Boulder | | company, or having to spar with your | | department of insurance. |
| Modesto | | agent about exactly when your policy | | |
| Canton | | was cancelled and how much they | | Fictitious Groups: Groups formed |
| Chattanooga | | owe you. | | primarily for the purpose of buying |
| Springfield | | | | insurance. Under the law such groups |
| Bayside | | Healthy people have the best | | may not be underwritten. |
| Jasper | | mortality risks and thus are much | | |
| Myrtle Beach | | cheaper for companies to insure. This | | Commingling: An illegal practice |
| Cape Coral | | translates into lower rates for the | | which occurs when an agent mixes |
| Lakeland | | Super Preferred customer than | | personal funds with the insured's or |
| Atlanta | | someone with higher risk factors such | | insurer's funds. |
| Riverside | | as a heart condition, cancer or | | |
| Jackson | | diabetes. Conversely, if you were | | You/Your: These words are used to |
| Dallas | | unhealthy when you acquired your | | refer to the named insured in many of |
| Slidell | | policy, and your health has now | | the modernized/personalized policy |
| South Bend | | improved, it might be time to shop for | | forms. |
| Bradenton | | a new policy, as your rates are likely | | |
| Saginaw | | to be lower. | | Short Rate Premium: The premium |
| Bayside | | | | required for issuing a policy for a |
| Lawton | | While some companies raise their | | period less than its normal term. |
| West Chester | | prices based on your actual age, | | |
| Tacoma | | most companies increase the price of | | Society of Insurance Research: An |
| Omaha | | their policies six months before your | | organization which encourages |
| Springfield | | birthday. Its a term called Age | | insurance research and promotes the |
| Scottsdale | | Nearest in the industry, and that | | exchange of ideas and methods of |
| Dubuque | | half-year price increase could really | | research. |
| Overland Park | | add up over a 20-year term policy. As | | |
| Birmingham | | above, the quicker you purchase your | | Level Commission System: A system |
| Tulsa | | policy the better. | | of commissions in which the first year |
| Flushing | | | | and all renewal commissions are the |
| Warren | | | | same percentage of the premium. |
