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| Columbus | | Healthy people have the best | | Gross Premium: The net premium |
| Indianapolis | | mortality risks and thus are much | | plus operating expenses, |
| Decatur | | cheaper for companies to insure. This | | commissions and other expenses. |
| Lancaster | | translates into lower rates for the | | |
| Anaheim | | Super Preferred customer than | | Divided Cover: The placing of |
| Cleveland | | someone with higher risk factors such | | insurance on a given subject or |
| Erie | | as a heart condition, cancer or | | object with more than one insurer. |
| El Cajon | | diabetes. Conversely, if you were | | |
| Poughkeepsie | | unhealthy when you acquired your | | Partial Loss: A loss covered by an |
| Sumter | | policy, and your health has now | | insurance policy which does not |
| Council Bluffs | | improved, it might be time to shop for | | completely destroy or render |
| Worcester | | a new policy, as your rates are likely | | worthless the insured property. |
| Lima | | to be lower. | | |
| Billings | | | | Sherman Antitrust Act: An antitrust law |
| Worcester | | Individuals who have 30-year | | from which insurance is exempted to |
| South Bend | | mortgages might want to consider a | | the extent that it is regulated by state |
| Fayetteville | | 30-year term to ensure that the house | | law. |
| Lake Worth | | is protected throughout the period of | | |
| West Chester | | the loan. | | Net Loss: The amount of loss |
| Topeka | | | | sustained by an insurer after giving |
| Washington | | At InsWeb, you can compare free | | effect to all applicable reinsurance, |
| Hartford | | online insurance quotes from many of | | salvage, and subrogation recoveries. |
| Arlington | | the nations leading insurance | | |
| Wilmington | | companies. | | Premium Receipt: The receipt given |
| Lancaster | | | | a policy owner for the payment of a |
| Springfield | | Make sure you have a new policy in | | premium. |
| Wichita | | place before you cancel your old one | | |
| Orange Park | | to avoid a lapse in coverage. This will | | Brick Veneer Construction: Refers to |
| Oxnard | | also prevent having to figure out the | | a building where the outside walls are |
| Reading | | amount of any unused premium that is | | constructed of wood with a facing of a |
| Newburgh | | due to you from your old insurance | | single layer of brick. |
| Southfield | | company, or having to spar with your | | |
| Reno | | agent about exactly when your policy | | Short-Term Policy: A policy written for |
| Corona | | was cancelled and how much they | | a period of less time than is normal for |
| Fort Worth | | owe you. | | that type of policy. |
