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| Toms River | | Healthy people have the best | | Criticism: A correction suggested by a |
| Longview | | mortality risks and thus are much | | rating or auditing bureau to an insurer. |
| Jackson | | cheaper for companies to insure. This | | |
| Shreveport | | translates into lower rates for the | | Depreciation: A decrease in the value |
| Edmond | | Super Preferred customer than | | of any type of tangible property over |
| Arlington | | someone with higher risk factors such | | a period of time resulting from use, |
| Rochester | | as a heart condition, cancer or | | wear and tear, or obsolescence. |
| Las Vegas | | diabetes. Conversely, if you were | | |
| San Bernardino | | unhealthy when you acquired your | | Mutualization: The process of |
| Scranton | | policy, and your health has now | | converting a stock insurer to a mutual |
| Huntington | | improved, it might be time to shop for | | insurer, accomplished by having the |
| Ann Arbor | | a new policy, as your rates are likely | | insurer buy stock and retire it. |
| Hartford | | to be lower. | | |
| Wichita | | | | Dual Life Stock Company: A stock |
| Poughkeepsie | | Make sure you have a new policy in | | Life insurer issuing both participating |
| Huntington | | place before you cancel your old one | | and nonparticipating policy contracts. |
| Sacramento | | to avoid a lapse in coverage. This will | | |
| Reno | | also prevent having to figure out the | | Amendment: A formal document |
| Waterloo | | amount of any unused premium that is | | which corrects or revises an |
| Bloomington | | due to you from your old insurance | | insurance master policy. |
| Orlando | | company, or having to spar with your | | |
| Council Bluffs | | agent about exactly when your policy | | National Auto Theft Bureau: An |
| Syracuse | | was cancelled and how much they | | organization engaged in the |
| Greensboro | | owe you. | | prevention and reduction of motor |
| Morristown | | | | vehicle fire and theft losses. |
| Warren | | The quickest and easiest way to | | |
| Charleston | | shop for new insurance is by | | Insurance Policy: The printed form |
| Pembroke Pines | | comparing rates at InsWebs online | | which serves as the contract between |
| Dallas | | marketplace. If you do it the | | an insurer and an insured. |
| Wilmington | | old-fashioned way (by calling or | | |
| Reno | | visiting multiple agents or insurance | | Domestic Insurer (or Company): An |
| Huntington | | companies) it could take up a huge | | insurer formed under the laws of the |
| Omaha | | chunk of your time, which no one | | state in which the insurance is written. |
| Worcester | | wants or needs. By completing | | |
| Yonkers | | InsWebs online application, you will | | |
| Troy | | have rates to compare to your old | | |
| Franklin | | ones within minutes! | | |
