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| Palm Harbor | | Shopping around is the best way to | | Partial Loss: A loss covered by an |
| Nashua | | save money on your insurance. | | insurance policy which does not |
| Springfield | | | | completely destroy or render |
| Westbury | | The best time to switch policies is | | worthless the insured property. |
| Fayetteville | | within one month of receiving your | | |
| Grand Prairie | | policy renewal from your current | | Gross Premium: The net premium |
| Palo Alto | | insurer. You can typically cancel your | | plus operating expenses, |
| Henderson | | policy without any fees or penalties if | | commissions and other expenses. |
| Springfield | | you act within this time period. | | |
| Johnson City | | | | Net Loss: The amount of loss |
| Youngstown | | People who are trying to quit | | sustained by an insurer after giving |
| Stamford | | smoking, for example, might be best | | effect to all applicable reinsurance, |
| Fort Worth | | suited purchasing a shorter term (and | | salvage, and subrogation recoveries. |
| Cookeville | | then replacing it with a longer term | | |
| Grand Junction | | policy when they qualify for | | New For Old: Replacing old |
| Buffalo | | non-tobacco prices). | | damaged parts or equipment with |
| Fullerton | | | | new ones rather than repairing them. |
| Green Bay | | Healthy people have the best | | |
| Baton Rouge | | mortality risks and thus are much | | Business: In Property, Liability, and |
| Evanston | | cheaper for companies to insure. This | | Health lines, it usually refers to the |
| Charleston | | translates into lower rates for the | | volume of premiums. |
| Spartanburg | | Super Preferred customer than | | |
| Newburgh | | someone with higher risk factors such | | Monoline Policy: Any insurance |
| Harrisburg | | as a heart condition, cancer or | | coverage written as a single line |
| Grand Rapids | | diabetes. Conversely, if you were | | policy. Contrast with Multiple Line or |
| Alexandria | | unhealthy when you acquired your | | Package policy. |
| Pueblo | | policy, and your health has now | | |
| Stockton | | improved, it might be time to shop for | | Cut Rate: This term generally applies |
| Albany | | a new policy, as your rates are likely | | to insurance companies who charge |
| Richmond | | to be lower. | | premiums below a normal or average |
| St. Paul | | | | rate. |
| Sioux City | | Everyone has different needs, and | | |
| Plano | | not one size fits all when it comes to | | Insurance Examiner: The |
| Melbourne | | term life insurance. While it may make | | representative of a state insurance |
| Muskegon | | sense for people in their 30s and 40s | | department assigned to participate in |
| New Orleans | | to secure a 20-year term length, a | | the official audit and examination of |
| Cookeville | | 10-year term might be more | | an insurer. |
| Grand Junction | | appropriate for someone nearing | | |
| Anderson | | retirement. | | |
