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| Lakeland | | Healthy people have the best | | We/Us/Our: These words are used to |
| Morristown | | mortality risks and thus are much | | refer to the insurer in many of the |
| Berkeley | | cheaper for companies to insure. This | | modernized/personalized policy |
| Cedar Rapids | | translates into lower rates for the | | forms recently introduced. |
| Fayetteville | | Super Preferred customer than | | |
| Garland | | someone with higher risk factors such | | Gross Premium: The net premium |
| Lafayette | | as a heart condition, cancer or | | plus operating expenses, |
| Harlingen | | diabetes. Conversely, if you were | | commissions and other expenses. |
| West Palm Beach | | unhealthy when you acquired your | | |
| Orlando | | policy, and your health has now | | Coding: A method of putting |
| San Francisco | | improved, it might be time to shop for | | information into a numerical form for |
| Chula Vista | | a new policy, as your rates are likely | | statistical use. Most information on |
| Warwick | | to be lower. | | policies is coded and then put into |
| Kalamazoo | | | | reports. |
| Hickory | | Shopping around is the best way to | | |
| Scranton | | save money on your insurance. | | First Party Insurance: Insurance which |
| Fort Wayne | | | | applies to coverage for the insured's |
| Seattle | | At InsWeb, you can compare free | | own property or person. Contrast with |
| Littleton | | online insurance quotes from many of | | Third Party Insurance. |
| Birmingham | | the nations leading insurance | | |
| Sacramento | | companies. | | Brokerage Department: A department |
| Rapid City | | | | of an insurer whose purpose is to |
| Nashua | | We offer quotes for auto insurance, | | deal with brokers in the placing of |
| Green Bay | | life insurance, homeowners | | insurance. |
| Omaha | | insurance, health insurance, term life | | |
| Livonia | | insurance and more. | | Commercial Lines: This term is used |
| Sioux Falls | | | | to refer to insurance for businesses, |
| Warren | | People who are trying to quit | | professionals, and commercial |
| Seattle | | smoking, for example, might be best | | establishments. |
| Salt Lake City | | suited purchasing a shorter term (and | | |
| Atlanta | | then replacing it with a longer term | | Sole Proprietorship: A business |
| Cherry Hill | | policy when they qualify for | | enterprise owned by one person who |
| York | | non-tobacco prices). | | is its manager and employee. |
