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| Athens | | Individuals who have 30-year | | Divided Cover: The placing of |
| Salem | | mortgages might want to consider a | | insurance on a given subject or |
| Irving | | 30-year term to ensure that the house | | object with more than one insurer. |
| Savannah | | is protected throughout the period of | | |
| Rome | | the loan. | | Brick Veneer Construction: Refers to |
| Independence | | | | a building where the outside walls are |
| Cambridge | | While some companies raise their | | constructed of wood with a facing of a |
| Augusta | | prices based on your actual age, | | single layer of brick. |
| Zanesville | | most companies increase the price of | | |
| Newark | | their policies six months before your | | Business: In Property, Liability, and |
| Toms River | | birthday. Its a term called Age | | Health lines, it usually refers to the |
| West Chester | | Nearest in the industry, and that | | volume of premiums. |
| Anderson | | half-year price increase could really | | |
| Dubuque | | add up over a 20-year term policy. As | | Mandatory Valuation Reserve: A |
| Portland | | above, the quicker you purchase your | | reserve required by a state law to |
| Harrisburg | | policy the better. | | offset any declines in the valuation of |
| Mountain View | | | | securities listed as admitted assets. |
| Milwaukee | | Healthy people have the best | | |
| Asheville | | mortality risks and thus are much | | Domestic Insurer (or Company): An |
| Nashua | | cheaper for companies to insure. This | | insurer formed under the laws of the |
| Hickory | | translates into lower rates for the | | state in which the insurance is written. |
| Jacksonville | | Super Preferred customer than | | |
| Hot Springs | | someone with higher risk factors such | | Substandard Risk: A risk not |
| Houston | | as a heart condition, cancer or | | measuring up to underwriting |
| Littleton | | diabetes. Conversely, if you were | | standards. It may still be written but |
| Wilmington | | unhealthy when you acquired your | | usually at a surcharged premium. |
| Nashville | | policy, and your health has now | | |
| Jersey City | | improved, it might be time to shop for | | Basic Rate: The manual rate from |
| San Francisco | | a new policy, as your rates are likely | | which discounts are taken or to which |
| Edmond | | to be lower. | | charges are added to reflect the |
| Woodbridge | | | | individual circumstances of a risk. |
| Naples | | The quickest and easiest way to | | |
| Livonia | | shop for new insurance is by | | American Risk and Insurance |
| Westbury | | comparing rates at InsWebs online | | Association: An association of |
| Newark | | marketplace. If you do it the | | insurance educators and others |
| Indianapolis | | old-fashioned way (by calling or | | interested in insurance study and |
| Fort Collins | | visiting multiple agents or insurance | | research. |
| Madison | | companies) it could take up a huge | | |
| Trenton | | chunk of your time, which no one | | |
| Santa Monica | | wants or needs. By completing | | |
| Waco | | InsWebs online application, you will | | |
| Palm Harbor | | have rates to compare to your old | | |
| Anderson | | ones within minutes! | | |
