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| Dubuque | | Healthy people have the best | | Premises: The particular location of |
| Mesquite | | mortality risks and thus are much | | property or a portion thereof as |
| Frederick | | cheaper for companies to insure. This | | designated in a policy. |
| Los Angeles | | translates into lower rates for the | | |
| York | | Super Preferred customer than | | Independent Contractor: One who |
| Rome | | someone with higher risk factors such | | agrees to perform according to a |
| Richmond | | as a heart condition, cancer or | | contract and who is not an employee. |
| Goldsboro | | diabetes. Conversely, if you were | | |
| Albany | | unhealthy when you acquired your | | Valuation Clause: A clause stating the |
| Columbus | | policy, and your health has now | | value of items for insurance |
| Chula Vista | | improved, it might be time to shop for | | purposes, making it a valued policy. |
| Spartanburg | | a new policy, as your rates are likely | | |
| Waco | | to be lower. | | Accident Year Experience: Measures |
| Anderson | | | | premiums and losses relating to |
| Bellevue | | Life insurance, specifically Term Life, | | accidents which occurred during a |
| Chesapeake | | is arguably one of the best values in | | 12-month period. |
| Rapid City | | the entire financial services arena. | | |
| Biloxi | | Where else can you go and get | | Inspection: Independent checking on |
| Arlington | | hundreds of thousands of dollars in | | facts about an applicant, |
| Goldsboro | | protection for literally pennies per | | policyholder, or claimant, usually by a |
| Alpharetta | | day? Rates for Term Life insurance | | commercial inspection agency. |
| Sioux Falls | | remain at all-time lows, and now is the | | |
| Jackson | | time to lock in the best prices. | | Loss Adjustment Expense: The cost |
| Bloomington | | | | of adjusting losses, excluding the |
| Bay City | | Shopping around is the best way to | | amount of the loss itself. |
| Rockford | | save money on your insurance. | | |
| Anderson | | | | Approved: The condition which exists |
| Bloomington | | We offer quotes for auto insurance, | | when the person or object to be |
| San Antonio | | life insurance, homeowners | | insured meets the underwriting |
| Winter Park | | insurance, health insurance, term life | | standards of the insurer. |
| Rochester | | insurance and more. | | |
| Jersey City | | | | Initial Premium: An amount paid at the |
| Vancouver | | Individuals who have 30-year | | inception of an insurance contract, |
| Gainesville | | mortgages might want to consider a | | usually subject to adjustment at the |
| Oklahoma City | | 30-year term to ensure that the house | | end of the policy period. |
| Lexington | | is protected throughout the period of | | |
| Trenton | | the loan. | | |
