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| New Port Richey | | Why not take advantage of current | | Paid-In Surplus: Surplus paid in by |
| Florence | | low prices? Many auto insurance | | stockholders, as contrasted with |
| Portsmouth | | consumers are becoming educated | | surplus earned through the |
| Decatur | | on other companies, plans, and rates | | operations of a business. |
| Owensboro | | that are available to them; ones that | | |
| Arlington | | could afford them significant savings | | Nonadmitted Insurer: An insurer not |
| Woodbridge | | on their auto insurance. | | licensed to do business in the |
| Springfield | | | | jurisdiction in question. Same as |
| Downey | | Everyone has different needs, and | | Unauthorized Insurer and Unlicensed |
| Columbia | | not one size fits all when it comes to | | Insurer. |
| Allentown | | term life insurance. While it may make | | |
| Tampa | | sense for people in their 30s and 40s | | Endorsement: A written or printed form |
| Muskegon | | to secure a 20-year term length, a | | attached to the policy which alters |
| Phoenix | | 10-year term might be more | | provisions of the contract. |
| Topeka | | appropriate for someone nearing | | |
| Poughkeepsie | | retirement. | | Captive Agent: One who sells |
| Toledo | | | | insurance for only one company as |
| Olympia | | While some companies raise their | | opposed to an agent who represents |
| Decatur | | prices based on your actual age, | | several companies. |
| Sunnyvale | | most companies increase the price of | | |
| Tampa | | their policies six months before your | | Index Bureau Experience: A measure |
| Monroe | | birthday. Its a term called Age | | of losses relating to claims reported |
| Malden | | Nearest in the industry, and that | | through a claim office during a |
| Cape Coral | | half-year price increase could really | | 12-month period. |
| Lorain | | add up over a 20-year term policy. As | | |
| Syracuse | | above, the quicker you purchase your | | Commingling: An illegal practice |
| Boulder | | policy the better. | | which occurs when an agent mixes |
| Greensboro | | | | personal funds with the insured's or |
| Florence | | Healthy people have the best | | insurer's funds. |
| Poughkeepsie | | mortality risks and thus are much | | |
| Evanston | | cheaper for companies to insure. This | | Convention Values: Values assigned |
| Flushing | | translates into lower rates for the | | to insurers' assets in the convention |
| Newport News | | Super Preferred customer than | | blank. |
| Mountain View | | someone with higher risk factors such | | |
| Albany | | as a heart condition, cancer or | | |
| Minneapolis | | diabetes. Conversely, if you were | | |
| Savannah | | unhealthy when you acquired your | | |
| Edison | | policy, and your health has now | | |
| Lansing | | improved, it might be time to shop for | | |
| Evanston | | a new policy, as your rates are likely | | |
| Walnut Creek | | to be lower. | | |
