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| Chula Vista | | Everyone has different needs, and | | Cash Flow Underwriting: The use of |
| St. Paul | | not one size fits all when it comes to | | rating and premium collection |
| West Chester | | term life insurance. While it may make | | techniques by insurance companies |
| Indianapolis | | sense for people in their 30s and 40s | | to maximize interest earnings on |
| Des Moines | | to secure a 20-year term length, a | | premiums. |
| Dearborn | | 10-year term might be more | | |
| Atlanta | | appropriate for someone nearing | | Underinsurance: A condition in which |
| Anchorage | | retirement. | | not enough insurance is carried to |
| Racine | | | | cover the insurable value. |
| St. Paul | | While some companies raise their | | |
| Chandler | | prices based on your actual age, | | Accidental Bodily Injury: An injury |
| Saginaw | | most companies increase the price of | | sustained accidentally. Only the result |
| Tallahassee | | their policies six months before your | | need be accidental. Contrast with |
| Topeka | | birthday. Its a term called Age | | Accidental Means. |
| Ogden | | Nearest in the industry, and that | | |
| Bloomington | | half-year price increase could really | | Burning Ratio: The ratio of losses |
| Youngstown | | add up over a 20-year term policy. As | | suffered to the amount of insurance in |
| Florissant | | above, the quicker you purchase your | | effect. |
| High Point | | policy the better. | | |
| Goldsboro | | | | Equity: The money value of an |
| Jacksonville | | If you have noticed that your auto | | insurance company that is over and |
| Columbia | | insurance rates are still increasing | | above its liabilities. Liabilities include |
| Ann Arbor | | with each renewal, or even have not | | almost all of its reserves. |
| Shreveport | | gone down even though you have a | | |
| Bradenton | | great driving record, this lower pricing | | Interline Endorsement: Commercial |
| Cookeville | | trend makes it more important then | | endorsements that apply, or could |
| Des Moines | | ever that you shop around for auto | | apply, to more than one coverage |
| Hollywood | | insurance. | | part of a package policy. |
