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| New Port Richey | | Individuals who have 30-year | | Producer: A term applied to an agent, |
| Boise | | mortgages might want to consider a | | solicitor or other person who sells |
| Boca Raton | | 30-year term to ensure that the house | | insurance. |
| Newark | | is protected throughout the period of | | |
| Longmont | | the loan. | | Substandard Risk: A risk not |
| Garland | | | | measuring up to underwriting |
| Tampa | | If you have noticed that your auto | | standards. It may still be written but |
| St. Louis | | insurance rates are still increasing | | usually at a surcharged premium. |
| Newport Beach | | with each renewal, or even have not | | |
| Delray Beach | | gone down even though you have a | | Losses Outstanding: A summary |
| Duluth | | great driving record, this lower pricing | | statement prepared by Property, Life, |
| Santa Barbara | | trend makes it more important then | | and Liability insurers showing claims |
| Decatur | | ever that you shop around for auto | | not yet settled. |
| Cherry Hill | | insurance. | | |
| Green Bay | | | | Accidental Bodily Injury: An injury |
| Salem | | People who are trying to quit | | sustained accidentally. Only the result |
| Lake Charles | | smoking, for example, might be best | | need be accidental. Contrast with |
| Miami | | suited purchasing a shorter term (and | | Accidental Means. |
| Long Beach | | then replacing it with a longer term | | |
| Jacksonville | | policy when they qualify for | | Approved Roof: A term used in |
| New Orleans | | non-tobacco prices). | | building construction. It indicates a |
| Hemet | | | | roof made of fire-resistive materials, |
| Poughkeepsie | | Healthy people have the best | | such as tile or asphalt shingles. |
| Chicago | | mortality risks and thus are much | | |
| Boynton Beach | | cheaper for companies to insure. This | | Business: In Property, Liability, and |
| Tempe | | translates into lower rates for the | | Health lines, it usually refers to the |
| Lake Charles | | Super Preferred customer than | | volume of premiums. |
| St. Paul | | someone with higher risk factors such | | |
| Springfield | | as a heart condition, cancer or | | Valuation Clause: A clause stating the |
| Palm Harbor | | diabetes. Conversely, if you were | | value of items for insurance |
| Muskegon | | unhealthy when you acquired your | | purposes, making it a valued policy. |
| St. Paul | | policy, and your health has now | | |
| Oxnard | | improved, it might be time to shop for | | Policy Period (or Term): The period |
| Evansville | | a new policy, as your rates are likely | | during which the policy contract |
| Greeley | | to be lower. | | affords protection, e.g., six months or |
| Jersey City | | | | one or three years. |
