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| Boise | | Healthy people have the best | | Countersignature: The signature of a |
| Staten Island | | mortality risks and thus are much | | licensed agent or representative on a |
| St. Joseph | | cheaper for companies to insure. This | | policy. |
| Palo Alto | | translates into lower rates for the | | |
| Trenton | | Super Preferred customer than | | Fictitious Groups: Groups formed |
| Palo Alto | | someone with higher risk factors such | | primarily for the purpose of buying |
| Las Vegas | | as a heart condition, cancer or | | insurance. Under the law such groups |
| Florence | | diabetes. Conversely, if you were | | may not be underwritten. |
| Delray Beach | | unhealthy when you acquired your | | |
| Tampa | | policy, and your health has now | | Endorsement: A written or printed form |
| Lake Charles | | improved, it might be time to shop for | | attached to the policy which alters |
| Honolulu | | a new policy, as your rates are likely | | provisions of the contract. |
| Schaumburg | | to be lower. | | |
| Council Bluffs | | | | Tariff Rate: A rate established by a |
| Mobile | | Make sure you have a new policy in | | rating organization, which comes from |
| Arlington | | place before you cancel your old one | | the tables, schedules and rules found |
| Modesto | | to avoid a lapse in coverage. This will | | in the tariff of rates. |
| Huntington | | also prevent having to figure out the | | |
| Poughkeepsie | | amount of any unused premium that is | | Building Code: This refers to |
| Sterling Heights | | due to you from your old insurance | | municipal or other governmental |
| Allentown | | company, or having to spar with your | | ordinances regulating the type of |
| Evansville | | agent about exactly when your policy | | construction of buildings within its |
| South Bend | | was cancelled and how much they | | jurisdiction. |
| Montgomery | | owe you. | | |
| Bethlehem | | | | Brokerage Department: A department |
| Denton | | The quickest and easiest way to | | of an insurer whose purpose is to |
| Ventura | | shop for new insurance is by | | deal with brokers in the placing of |
| Roanoke | | comparing rates at InsWebs online | | insurance. |
| Tuscaloosa | | marketplace. If you do it the | | |
| Huntsville | | old-fashioned way (by calling or | | Loss Frequency: The number of times |
| Lawton | | visiting multiple agents or insurance | | a loss occurs over a specific period |
| Augusta | | companies) it could take up a huge | | of time. |
| Nashua | | chunk of your time, which no one | | |
| Dayton | | wants or needs. By completing | | Agent's Balance: A periodic |
| Overland Park | | InsWebs online application, you will | | statement of the sums due and owed |
| Vancouver | | have rates to compare to your old | | to an agent under the agent's contract |
| Chandler | | ones within minutes! | | with an insurer. |
