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| Fresno | | Healthy people have the best | | Fictitious Groups: Groups formed |
| Arlington | | mortality risks and thus are much | | primarily for the purpose of buying |
| Eugene | | cheaper for companies to insure. This | | insurance. Under the law such groups |
| Newark | | translates into lower rates for the | | may not be underwritten. |
| Scranton | | Super Preferred customer than | | |
| Minneapolis | | someone with higher risk factors such | | Amendment: A formal document |
| Fayetteville | | as a heart condition, cancer or | | which corrects or revises an |
| Lincoln | | diabetes. Conversely, if you were | | insurance master policy. |
| Saginaw | | unhealthy when you acquired your | | |
| Cedar Rapids | | policy, and your health has now | | Burning Ratio: The ratio of losses |
| Phoenix | | improved, it might be time to shop for | | suffered to the amount of insurance in |
| Midland | | a new policy, as your rates are likely | | effect. |
| South Bend | | to be lower. | | |
| Charleston | | | | Appraisal: An evaluation of property |
| Berkeley | | The quickest and easiest way to | | made to ascertain either the |
| Fort Worth | | shop for new insurance is by | | appropriate amount of insurance to |
| Burbank | | comparing rates at InsWebs online | | be written or the amount of loss to be |
| Sioux City | | marketplace. If you do it the | | paid. |
| Jonesboro | | old-fashioned way (by calling or | | |
| Fort Lauderdale | | visiting multiple agents or insurance | | Approved Roof: A term used in |
| Dallas | | companies) it could take up a huge | | building construction. It indicates a |
| Boynton Beach | | chunk of your time, which no one | | roof made of fire-resistive materials, |
| Macon | | wants or needs. By completing | | such as tile or asphalt shingles. |
| Shreveport | | InsWebs online application, you will | | |
| Knoxville | | have rates to compare to your old | | Legislative Risk: A risk faced by |
| Pasadena | | ones within minutes! | | investors whereby changes in tax |
| Olympia | | | | laws can result in adverse effects on |
| Allentown | | People who are trying to quit | | the individual's investment results. |
| Allentown | | smoking, for example, might be best | | |
| Tallahassee | | suited purchasing a shorter term (and | | Commingling: An illegal practice |
| Fort Lauderdale | | then replacing it with a longer term | | which occurs when an agent mixes |
| Honolulu | | policy when they qualify for | | personal funds with the insured's or |
| Tulsa | | non-tobacco prices). | | insurer's funds. |
