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| Louisville | | Individuals who have 30-year | | Substandard Risk: A risk not |
| Ann Arbor | | mortgages might want to consider a | | measuring up to underwriting |
| Orange | | 30-year term to ensure that the house | | standards. It may still be written but |
| Huntsville | | is protected throughout the period of | | usually at a surcharged premium. |
| Scottsdale | | the loan. | | |
| Tampa | | | | Admitted Company: An insurance |
| Hartford | | Healthy people have the best | | company authorized and licensed to |
| Schenectady | | mortality risks and thus are much | | do business in a given state. |
| Scottsdale | | cheaper for companies to insure. This | | |
| Bradenton | | translates into lower rates for the | | Insurance Examiner: The |
| Durham | | Super Preferred customer than | | representative of a state insurance |
| St. Joseph | | someone with higher risk factors such | | department assigned to participate in |
| Decatur | | as a heart condition, cancer or | | the official audit and examination of |
| Morristown | | diabetes. Conversely, if you were | | an insurer. |
| Williamsport | | unhealthy when you acquired your | | |
| New York | | policy, and your health has now | | Capital Sum: The maximum lump sum |
| Milwaukee | | improved, it might be time to shop for | | payable in the event of accidental |
| Fort Worth | | a new policy, as your rates are likely | | death or dismemberment. |
| Vancouver | | to be lower. | | |
| Tallahassee | | | | Captive Agent: One who sells |
| Florence | | Why not take advantage of current | | insurance for only one company as |
| Lakewood | | low prices? Many auto insurance | | opposed to an agent who represents |
| Coral Springs | | consumers are becoming educated | | several companies. |
| Glendale | | on other companies, plans, and rates | | |
| Irvine | | that are available to them; ones that | | Net Loss: The amount of loss |
| Baton Rouge | | could afford them significant savings | | sustained by an insurer after giving |
| Indianapolis | | on their auto insurance. | | effect to all applicable reinsurance, |
| Palo Alto | | | | salvage, and subrogation recoveries. |
| Anchorage | | Shopping around is the best way to | | |
| Thousand Oaks | | save money on your insurance. | | Minimum Premium: The smallest |
| Des Moines | | | | amount of premium for which an |
| Decatur | | People who are trying to quit | | insurer will issue coverage under a |
| Little Rock | | smoking, for example, might be best | | given policy. |
| Seattle | | suited purchasing a shorter term (and | | |
| Hattiesburg | | then replacing it with a longer term | | |
| Goldsboro | | policy when they qualify for | | |
| Shreveport | | non-tobacco prices). | | |
