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| Duluth | | Healthy people have the best | | Adjustment Bureau: A firm organized |
| Carlsbad | | mortality risks and thus are much | | to provide adjustment services to |
| Davenport | | cheaper for companies to insure. This | | insurers not wishing to create their |
| Abilene | | translates into lower rates for the | | own claims division. |
| St. Paul | | Super Preferred customer than | | |
| Akron | | someone with higher risk factors such | | Lloyd's Broker: A person who has the |
| Torrance | | as a heart condition, cancer or | | authority to negotiate insurance |
| Williamsport | | diabetes. Conversely, if you were | | contracts with the underwriters on the |
| Fort Worth | | unhealthy when you acquired your | | floor at Lloyd's. |
| Evansville | | policy, and your health has now | | |
| Wichita | | improved, it might be time to shop for | | Overlapping Insurance: Coverage |
| Carlsbad | | a new policy, as your rates are likely | | from two or more policies or insurers |
| Huntsville | | to be lower. | | which duplicates coverage of certain |
| Hot Springs | | | | risks. |
| Corona | | Everyone has different needs, and | | |
| Decatur | | not one size fits all when it comes to | | Initial Premium: An amount paid at the |
| Anchorage | | term life insurance. While it may make | | inception of an insurance contract, |
| Ventura | | sense for people in their 30s and 40s | | usually subject to adjustment at the |
| Trenton | | to secure a 20-year term length, a | | end of the policy period. |
| Aurora | | 10-year term might be more | | |
| Cookeville | | appropriate for someone nearing | | Sherman Antitrust Act: An antitrust law |
| Seattle | | retirement. | | from which insurance is exempted to |
| Mobile | | | | the extent that it is regulated by state |
| Baton Rouge | | Shopping around is the best way to | | law. |
| Downey | | save money on your insurance. | | |
| Newark | | | | American Risk and Insurance |
| Scranton | | If you have noticed that your auto | | Association: An association of |
| Edmond | | insurance rates are still increasing | | insurance educators and others |
| Lincoln | | with each renewal, or even have not | | interested in insurance study and |
| Chesapeake | | gone down even though you have a | | research. |
| Anaheim | | great driving record, this lower pricing | | |
| Quincy | | trend makes it more important then | | Policy Period (or Term): The period |
| Columbus | | ever that you shop around for auto | | during which the policy contract |
| West Chester | | insurance. | | affords protection, e.g., six months or |
| Ventura | | | | one or three years. |
