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| Newport News | | Healthy people have the best | | Convention Values: Values assigned |
| Arlington | | mortality risks and thus are much | | to insurers' assets in the convention |
| Waco | | cheaper for companies to insure. This | | blank. |
| Lincoln | | translates into lower rates for the | | |
| Panama City | | Super Preferred customer than | | Examiner: An employee assigned by |
| Yuma | | someone with higher risk factors such | | the state insurance department to |
| Gainesville | | as a heart condition, cancer or | | audit insurers' records. |
| Jackson | | diabetes. Conversely, if you were | | |
| Knoxville | | unhealthy when you acquired your | | Exclusion: A contractual provision that |
| Fort Smith | | policy, and your health has now | | denies coverage for certain perils, |
| Vero Beach | | improved, it might be time to shop for | | persons, property, or locations. |
| Conroe | | a new policy, as your rates are likely | | |
| Melbourne | | to be lower. | | FICA. Federal Insurance Contributions |
| Charleston | | | | Act: A law imposing a payroll tax to |
| Vineland | | If you have noticed that your auto | | assist in funding Social Security |
| Honolulu | | insurance rates are still increasing | | benefits. |
| Fall River | | with each renewal, or even have not | | |
| Inglewood | | gone down even though you have a | | Level Commission System: A system |
| Lakewood | | great driving record, this lower pricing | | of commissions in which the first year |
| Daytona Beach | | trend makes it more important then | | and all renewal commissions are the |
| Naperville | | ever that you shop around for auto | | same percentage of the premium. |
| West Palm Beach | | insurance. | | |
| Union | | | | Loss Frequency: The number of times |
| Winter Park | | Everyone has different needs, and | | a loss occurs over a specific period |
| Jackson | | not one size fits all when it comes to | | of time. |
| Fremont | | term life insurance. While it may make | | |
| Fort Wayne | | sense for people in their 30s and 40s | | War Risk Insurance: Insurance |
| Greenville | | to secure a 20-year term length, a | | covering damage caused by war. |
| Modesto | | 10-year term might be more | | Most often written by Ocean Marine |
| Plano | | appropriate for someone nearing | | Insurance companies covering |
| Duluth | | retirement. | | vessels. |
