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| Berkeley | | At InsWeb, you can compare free | | Insurance Policy: The printed form |
| Santa Clara | | online insurance quotes from many of | | which serves as the contract between |
| Pueblo | | the nations leading insurance | | an insurer and an insured. |
| Naples | | companies. | | |
| Long Beach | | | | Expense Allowance: A compensation |
| Riverside | | Healthy people have the best | | paid to an insurance agent in excess |
| Acworth | | mortality risks and thus are much | | of prescribed commissions. |
| Sterling Heights | | cheaper for companies to insure. This | | |
| Chandler | | translates into lower rates for the | | Burning Ratio: The ratio of losses |
| Raleigh | | Super Preferred customer than | | suffered to the amount of insurance in |
| Colorado Springs | | someone with higher risk factors such | | effect. |
| Las Cruces | | as a heart condition, cancer or | | |
| Escondido | | diabetes. Conversely, if you were | | Approved: The condition which exists |
| Valdosta | | unhealthy when you acquired your | | when the person or object to be |
| Westbury | | policy, and your health has now | | insured meets the underwriting |
| San Francisco | | improved, it might be time to shop for | | standards of the insurer. |
| Lake Worth | | a new policy, as your rates are likely | | |
| Hickory | | to be lower. | | Criticism: A correction suggested by a |
| Jersey City | | | | rating or auditing bureau to an insurer. |
| Oklahoma City | | Everyone has different needs, and | | |
| Arlington | | not one size fits all when it comes to | | Lapsed Policy: One which has been |
| Springfield | | term life insurance. While it may make | | allowed to expire because of |
| Florissant | | sense for people in their 30s and 40s | | nonpayment of premiums. |
| Norfolk | | to secure a 20-year term length, a | | |
| Santa Ana | | 10-year term might be more | | Notice To Company: Written notice to |
| Anaheim | | appropriate for someone nearing | | an insurer of the occurrence of an |
| York | | retirement. | | event which a claim is to be based. |