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| Schaumburg | | If you have noticed that your auto | | Approved Roof: A term used in |
| Rapid City | | insurance rates are still increasing | | building construction. It indicates a |
| White Plains | | with each renewal, or even have not | | roof made of fire-resistive materials, |
| Stockbridge | | gone down even though you have a | | such as tile or asphalt shingles. |
| Fort Lauderdale | | great driving record, this lower pricing | | |
| Montgomery | | trend makes it more important then | | Accident Year Experience: Measures |
| Mesa | | ever that you shop around for auto | | premiums and losses relating to |
| St. Joseph | | insurance. | | accidents which occurred during a |
| Wilmington | | | | 12-month period. |
| Las Cruces | | Healthy people have the best | | |
| Killeen | | mortality risks and thus are much | | Paid-In Surplus: Surplus paid in by |
| Garland | | cheaper for companies to insure. This | | stockholders, as contrasted with |
| Morristown | | translates into lower rates for the | | surplus earned through the |
| High Point | | Super Preferred customer than | | operations of a business. |
| Valdosta | | someone with higher risk factors such | | |
| Ann Arbor | | as a heart condition, cancer or | | First Party Insurance: Insurance which |
| Cambridge | | diabetes. Conversely, if you were | | applies to coverage for the insured's |
| Portsmouth | | unhealthy when you acquired your | | own property or person. Contrast with |
| Columbus | | policy, and your health has now | | Third Party Insurance. |
| Stockton | | improved, it might be time to shop for | | |
| Cypress | | a new policy, as your rates are likely | | Legislative Risk: A risk faced by |
| Columbia | | to be lower. | | investors whereby changes in tax |
| Reno | | | | laws can result in adverse effects on |
| Nashua | | Individuals who have 30-year | | the individual's investment results. |
| Johnstown | | mortgages might want to consider a | | |
| Green Bay | | 30-year term to ensure that the house | | Valued: Relating to an agreement by |
| Honolulu | | is protected throughout the period of | | an insurer to pay a specified amount |
| Arlington | | the loan. | | of money to or on behalf of the |
| Worcester | | | | insured upon occurrence of a defined |
| Tallahassee | | Make sure you have a new policy in | | loss. |
| Santa Rosa | | place before you cancel your old one | | |
| Cambridge | | to avoid a lapse in coverage. This will | | Director of Insurance: A title used in |
| Escondido | | also prevent having to figure out the | | some states for the head of the |
| Montgomery | | amount of any unused premium that is | | department of insurance. |
| Greensboro | | due to you from your old insurance | | |
| Miami | | company, or having to spar with your | | |
| Oceanside | | agent about exactly when your policy | | |
| Columbia | | was cancelled and how much they | | |
| Jersey City | | owe you. | | |
