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| Alexandria | | Healthy people have the best | | Absolute Assignment: Assignment by |
| Chesapeake | | mortality risks and thus are much | | a policy owner of all control of and |
| Alexandria | | cheaper for companies to insure. This | | rights in the policy to a third party. |
| Joliet | | translates into lower rates for the | | |
| Bronx | | Super Preferred customer than | | Malinger: To feign a disability for the |
| Council Bluffs | | someone with higher risk factors such | | purpose of continuing to collect |
| Memphis | | as a heart condition, cancer or | | benefits longer than actually |
| Hendersonville | | diabetes. Conversely, if you were | | necessary. |
| Orange | | unhealthy when you acquired your | | |
| Arlington | | policy, and your health has now | | Will Ride: Coverage that remains in |
| Syracuse | | improved, it might be time to shop for | | effect regardless of the geographical |
| Ocala | | a new policy, as your rates are likely | | location in which a loss occurs. |
| Winter Haven | | to be lower. | | |
| Santa Monica | | | | Commission of Authority: A document |
| Spartanburg | | Everyone has different needs, and | | outlining the powers delegated to an |
| Alameda | | not one size fits all when it comes to | | agent by an insurer. |
| Schenectady | | term life insurance. While it may make | | |
| Athens | | sense for people in their 30s and 40s | | Divided Cover: The placing of |
| Biloxi | | to secure a 20-year term length, a | | insurance on a given subject or |
| Lorain | | 10-year term might be more | | object with more than one insurer. |
| Turlock | | appropriate for someone nearing | | |
| Independence | | retirement. | | Net Loss: The amount of loss |
| Long Beach | | | | sustained by an insurer after giving |
| Columbia | | Individuals who have 30-year | | effect to all applicable reinsurance, |
| Atlanta | | mortgages might want to consider a | | salvage, and subrogation recoveries. |
| Cleveland | | 30-year term to ensure that the house | | |
| Denver | | is protected throughout the period of | | National Auto Theft Bureau: An |
| Fort Worth | | the loan. | | organization engaged in the |
| Bay City | | | | prevention and reduction of motor |
| Edison | | The quickest and easiest way to | | vehicle fire and theft losses. |
| Las Cruces | | shop for new insurance is by | | |
| Cedar Rapids | | comparing rates at InsWebs online | | Substandard Risk: A risk not |
| Evanston | | marketplace. If you do it the | | measuring up to underwriting |
| Reading | | old-fashioned way (by calling or | | standards. It may still be written but |
| San Diego | | visiting multiple agents or insurance | | usually at a surcharged premium. |
| Lakeland | | companies) it could take up a huge | | |
| Salem | | chunk of your time, which no one | | |
| High Point | | wants or needs. By completing | | |
| Palm Harbor | | InsWebs online application, you will | | |
| Yonkers | | have rates to compare to your old | | |
| Bloomington | | ones within minutes! | | |
