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| Bronx | | Why not take advantage of current | | License: A certification of authority for |
| Phoenix | | low prices? Many auto insurance | | an agent or insurer to operate, given |
| Jacksonville | | consumers are becoming educated | | by the appropriate jurisdiction. |
| Edmond | | on other companies, plans, and rates | | |
| Lafayette | | that are available to them; ones that | | Mutualization: The process of |
| Marietta | | could afford them significant savings | | converting a stock insurer to a mutual |
| Portland | | on their auto insurance. | | insurer, accomplished by having the |
| Chicago | | | | insurer buy stock and retire it. |
| Union | | Healthy people have the best | | |
| Charleston | | mortality risks and thus are much | | Business: In Property, Liability, and |
| Houma | | cheaper for companies to insure. This | | Health lines, it usually refers to the |
| Slidell | | translates into lower rates for the | | volume of premiums. |
| Boca Raton | | Super Preferred customer than | | |
| Kansas City | | someone with higher risk factors such | | American Risk and Insurance |
| Sumter | | as a heart condition, cancer or | | Association: An association of |
| Odessa | | diabetes. Conversely, if you were | | insurance educators and others |
| Oceanside | | unhealthy when you acquired your | | interested in insurance study and |
| Venice | | policy, and your health has now | | research. |
| Clarksville | | improved, it might be time to shop for | | |
| Torrance | | a new policy, as your rates are likely | | National Auto Theft Bureau: An |
| Rockford | | to be lower. | | organization engaged in the |
| Whittier | | | | prevention and reduction of motor |
| Columbus | | Individuals who have 30-year | | vehicle fire and theft losses. |
| Alexandria | | mortgages might want to consider a | | |
| Scranton | | 30-year term to ensure that the house | | Liquidity: The ability of an insurer to |
| South Bend | | is protected throughout the period of | | convert its assets into cash to pay |
| Bethlehem | | the loan. | | claims if necessary. |