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| Schaumburg | | Individuals who have 30-year | | Dual Life Stock Company: A stock |
| Austin | | mortgages might want to consider a | | Life insurer issuing both participating |
| Lorain | | 30-year term to ensure that the house | | and nonparticipating policy contracts. |
| Phoenix | | is protected throughout the period of | | |
| Duluth | | the loan. | | Agency: An insurance sales office |
| Union | | | | which is directed by a agent, |
| Longmont | | Healthy people have the best | | manager, independent agent, or |
| Baltimore | | mortality risks and thus are much | | company manager. |
| Wilmington | | cheaper for companies to insure. This | | |
| Spartanburg | | translates into lower rates for the | | Valuation Clause: A clause stating the |
| Duluth | | Super Preferred customer than | | value of items for insurance |
| Omaha | | someone with higher risk factors such | | purposes, making it a valued policy. |
| Spokane | | as a heart condition, cancer or | | |
| Long Beach | | diabetes. Conversely, if you were | | Preferred Risk: Any risk considered |
| Bellevue | | unhealthy when you acquired your | | to be better than the standard risk on |
| St. Paul | | policy, and your health has now | | which the premium rate was |
| Downey | | improved, it might be time to shop for | | calculated. |
| Waco | | a new policy, as your rates are likely | | |
| Minneapolis | | to be lower. | | War Risk Insurance: Insurance |
| Honolulu | | | | covering damage caused by war. |
| West Palm Beach | | At InsWeb, you can compare free | | Most often written by Ocean Marine |
| Walnut Creek | | online insurance quotes from many of | | Insurance companies covering |
| Grand Rapids | | the nations leading insurance | | vessels. |
| Lansing | | companies. | | |
| Irvine | | | | Provisional Rate: Tentative rates, |
| Denver | | If you have noticed that your auto | | premiums or commissions that are |
| Greenville | | insurance rates are still increasing | | subject to subsequent adjustment. |
| Savannah | | with each renewal, or even have not | | See Commission and Premium. |
| Cambridge | | gone down even though you have a | | |
| Palo Alto | | great driving record, this lower pricing | | Tabular Plan: A retrospective rating |
| Bakersfield | | trend makes it more important then | | plan, which uses tables to furnish the |
| Austin | | ever that you shop around for auto | | various values for the rating formula. |
| Denver | | insurance. | | |
| Frederick | | | | Level Commission System: A system |
| Riverside | | | | of commissions in which the first year |
| Lexington | | | | and all renewal commissions are the |
| Ogden | | | | same percentage of the premium. |
