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| Austin | | Healthy people have the best | | Net Interest Earned: The average |
| Clearwater | | mortality risks and thus are much | | interest earned by an insurer on its |
| Lowell | | cheaper for companies to insure. This | | investments after investment expense |
| Cookeville | | translates into lower rates for the | | but before federal income taxes. |
| Rapid City | | Super Preferred customer than | | |
| Palm Desert | | someone with higher risk factors such | | Gross Line: The total limit accepted |
| Green Bay | | as a heart condition, cancer or | | by an insurer on an individual risk, |
| Hattiesburg | | diabetes. Conversely, if you were | | including the amount to be reinsured. |
| Jonesboro | | unhealthy when you acquired your | | |
| Edmond | | policy, and your health has now | | Premium: The price of insurance |
| Kalamazoo | | improved, it might be time to shop for | | protection for a specified risk for a |
| Littleton | | a new policy, as your rates are likely | | specified period of time. |
| Cleveland | | to be lower. | | |
| Gainesville | | | | Insurance Policy: The printed form |
| Corpus Christi | | Everyone has different needs, and | | which serves as the contract between |
| Conroe | | not one size fits all when it comes to | | an insurer and an insured. |
| Clarksville | | term life insurance. While it may make | | |
| Wilmington | | sense for people in their 30s and 40s | | Basic Rate: The manual rate from |
| Metairie | | to secure a 20-year term length, a | | which discounts are taken or to which |
| Duluth | | 10-year term might be more | | charges are added to reflect the |
| Quincy | | appropriate for someone nearing | | individual circumstances of a risk. |
| Troy | | retirement. | | |
| Jonesboro | | | | Domestic Insurer (or Company): An |
| Ventura | | The best time to switch policies is | | insurer formed under the laws of the |
| Newburgh | | within one month of receiving your | | state in which the insurance is written. |
| Newark | | policy renewal from your current | | |
| Sumter | | insurer. You can typically cancel your | | Sherman Antitrust Act: An antitrust law |
| Midland | | policy without any fees or penalties if | | from which insurance is exempted to |
| Columbia | | you act within this time period. | | the extent that it is regulated by state |
| Trenton | | | | law. |
| Boynton Beach | | Why not take advantage of current | | |
| Saginaw | | low prices? Many auto insurance | | Incurred Expense: Expenses not yet |
| Bethlehem | | consumers are becoming educated | | paid. Can also include paid |
| Clinton Township | | on other companies, plans, and rates | | expenses in some accounting |
| Warren | | that are available to them; ones that | | systems. |
| Glendale | | could afford them significant savings | | |
| Bellevue | | on their auto insurance. | | |
