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| Daytona Beach | | Healthy people have the best | | Exclusion: A contractual provision that |
| Green Bay | | mortality risks and thus are much | | denies coverage for certain perils, |
| Frederick | | cheaper for companies to insure. This | | persons, property, or locations. |
| Overland Park | | translates into lower rates for the | | |
| Portland | | Super Preferred customer than | | Policy Anniversary: The anniversary |
| Houston | | someone with higher risk factors such | | of the date of issue of a policy as |
| Rockford | | as a heart condition, cancer or | | shown in the policy declarations. |
| Chula Vista | | diabetes. Conversely, if you were | | |
| Waterloo | | unhealthy when you acquired your | | Mandatory Valuation Reserve: A |
| Cherry Hill | | policy, and your health has now | | reserve required by a state law to |
| North Hollywood | | improved, it might be time to shop for | | offset any declines in the valuation of |
| Jacksonville | | a new policy, as your rates are likely | | securities listed as admitted assets. |
| Grand Prairie | | to be lower. | | |
| Tampa | | | | Brick Veneer Construction: Refers to |
| Silver Spring | | The quickest and easiest way to | | a building where the outside walls are |
| Pompano Beach | | shop for new insurance is by | | constructed of wood with a facing of a |
| Las Cruces | | comparing rates at InsWebs online | | single layer of brick. |
| Silver Spring | | marketplace. If you do it the | | |
| Bay City | | old-fashioned way (by calling or | | Authorized Insurer: An insurer |
| Allentown | | visiting multiple agents or insurance | | authorized by the state to transact |
| Englewood | | companies) it could take up a huge | | business in that state for specific |
| Mesquite | | chunk of your time, which no one | | types of insurance. |
| Clarksville | | wants or needs. By completing | | |
| Cincinnati | | InsWebs online application, you will | | Single Limit: Any insurance coverage |
| Eugene | | have rates to compare to your old | | which is expressed as a single |
| Fullerton | | ones within minutes! | | amount of insurance, or a single limit |
| Lansing | | | | of liability. Contrast with Split Limit. |
| Albany | | Everyone has different needs, and | | |
| Memphis | | not one size fits all when it comes to | | Divided Cover: The placing of |
| West Palm Beach | | term life insurance. While it may make | | insurance on a given subject or |
| Jackson | | sense for people in their 30s and 40s | | object with more than one insurer. |
| Frederick | | to secure a 20-year term length, a | | |
| Fremont | | 10-year term might be more | | Tariff Rate: A rate established by a |
| Johnstown | | appropriate for someone nearing | | rating organization, which comes from |
| Muskegon | | retirement. | | the tables, schedules and rules found |
| Cookeville | | | | in the tariff of rates. |
