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| Fullerton | | While some companies raise their | | Partnership: A business enterprise |
| Dubuque | | prices based on your actual age, | | owned and operated by two or more |
| Alpharetta | | most companies increase the price of | | persons for the purpose of generating |
| Arlington | | their policies six months before your | | business income and profits. |
| Wichita | | birthday. Its a term called Age | | |
| Marietta | | Nearest in the industry, and that | | Policywriting Agent: An agent who has |
| Santa Rosa | | half-year price increase could really | | the authority to prepare and effect an |
| Winter Park | | add up over a 20-year term policy. As | | insurer's policy. |
| Lansing | | above, the quicker you purchase your | | |
| Des Moines | | policy the better. | | Approved: The condition which exists |
| Fairfax | | | | when the person or object to be |
| Portland | | Healthy people have the best | | insured meets the underwriting |
| Mansfield | | mortality risks and thus are much | | standards of the insurer. |
| Jackson | | cheaper for companies to insure. This | | |
| Florence | | translates into lower rates for the | | Minimum Premium: The smallest |
| Kalamazoo | | Super Preferred customer than | | amount of premium for which an |
| Baltimore | | someone with higher risk factors such | | insurer will issue coverage under a |
| Billings | | as a heart condition, cancer or | | given policy. |
| Shreveport | | diabetes. Conversely, if you were | | |
| Milwaukee | | unhealthy when you acquired your | | Gross Line: The total limit accepted |
| Vero Beach | | policy, and your health has now | | by an insurer on an individual risk, |
| Brooklyn | | improved, it might be time to shop for | | including the amount to be reinsured. |
| Lake Charles | | a new policy, as your rates are likely | | |
| Dothan | | to be lower. | | Claim Expense: The expense of |
| Evansville | | | | adjusting a claim, such as |
| Sioux City | | Shopping around is the best way to | | investigation and attorneys' fees. It |
| Naperville | | save money on your insurance. | | does not include the cost of the claim |
| Abilene | | | | itself. |
| Sunnyvale | | The quickest and easiest way to | | |
| Flint | | shop for new insurance is by | | Accidental Bodily Injury: An injury |
| Columbus | | comparing rates at InsWebs online | | sustained accidentally. Only the result |
| Trenton | | marketplace. If you do it the | | need be accidental. Contrast with |
| Bronx | | old-fashioned way (by calling or | | Accidental Means. |
| Jonesboro | | visiting multiple agents or insurance | | |
| Tacoma | | companies) it could take up a huge | | |
| Dubuque | | chunk of your time, which no one | | |
| Hot Springs | | wants or needs. By completing | | |
| Daytona Beach | | InsWebs online application, you will | | |
| Madison | | have rates to compare to your old | | |
| Jackson | | ones within minutes! | | |
