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| Elkhart | | Individuals who have 30-year | | Countersignature: The signature of a |
| Long Beach | | mortgages might want to consider a | | licensed agent or representative on a |
| Newport News | | 30-year term to ensure that the house | | policy. |
| Fall River | | is protected throughout the period of | | |
| Cypress | | the loan. | | Minimum Premium: The smallest |
| Grand Junction | | | | amount of premium for which an |
| Tulsa | | While some companies raise their | | insurer will issue coverage under a |
| Yonkers | | prices based on your actual age, | | given policy. |
| Omaha | | most companies increase the price of | | |
| Kansas City | | their policies six months before your | | Single Limit: Any insurance coverage |
| Chesapeake | | birthday. Its a term called Age | | which is expressed as a single |
| Clarksville | | Nearest in the industry, and that | | amount of insurance, or a single limit |
| Peoria | | half-year price increase could really | | of liability. Contrast with Split Limit. |
| Minneapolis | | add up over a 20-year term policy. As | | |
| Grand Prairie | | above, the quicker you purchase your | | Cash Flow Underwriting: The use of |
| Charlotte | | policy the better. | | rating and premium collection |
| Bakersfield | | | | techniques by insurance companies |
| Pompano Beach | | If you have noticed that your auto | | to maximize interest earnings on |
| Duluth | | insurance rates are still increasing | | premiums. |
| Union | | with each renewal, or even have not | | |
| Seattle | | gone down even though you have a | | Sherman Antitrust Act: An antitrust law |
| Joliet | | great driving record, this lower pricing | | from which insurance is exempted to |
| Florissant | | trend makes it more important then | | the extent that it is regulated by state |
| Stockton | | ever that you shop around for auto | | law. |
| Cincinnati | | insurance. | | |
| Lowell | | | | Partnership Entity: The partnership |
| Ocala | | Everyone has different needs, and | | considered as an entity and not in |
| North Hollywood | | not one size fits all when it comes to | | terms of its individual part-owners. |
| Minneapolis | | term life insurance. While it may make | | |
| Newburgh | | sense for people in their 30s and 40s | | Indemnify: To restore the victim of a |
| Trenton | | to secure a 20-year term length, a | | loss to the same position as before |
| Chandler | | 10-year term might be more | | the loss occurred. |
| Newark | | appropriate for someone nearing | | |
| Tampa | | retirement. | | Burning Ratio: The ratio of losses |
| Durham | | | | suffered to the amount of insurance in |
| Greensboro | | | | effect. |
