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| Gainesville | | Healthy people have the best | | Interline Endorsement: Commercial |
| Edison | | mortality risks and thus are much | | endorsements that apply, or could |
| York | | cheaper for companies to insure. This | | apply, to more than one coverage |
| Phoenix | | translates into lower rates for the | | part of a package policy. |
| Elkhart | | Super Preferred customer than | | |
| Billings | | someone with higher risk factors such | | Underwriters Laboratories, Inc. (UL): A |
| Bethlehem | | as a heart condition, cancer or | | testing laboratory for manufactured |
| Johnstown | | diabetes. Conversely, if you were | | items to determine their safety |
| Las Cruces | | unhealthy when you acquired your | | propensities. |
| Omaha | | policy, and your health has now | | |
| Goldsboro | | improved, it might be time to shop for | | Level Commission System: A system |
| Youngstown | | a new policy, as your rates are likely | | of commissions in which the first year |
| Gaithersburg | | to be lower. | | and all renewal commissions are the |
| Joliet | | | | same percentage of the premium. |
| Yuma | | Make sure you have a new policy in | | |
| Topeka | | place before you cancel your old one | | Commission of Authority: A document |
| New Orleans | | to avoid a lapse in coverage. This will | | outlining the powers delegated to an |
| Chattanooga | | also prevent having to figure out the | | agent by an insurer. |
| Palo Alto | | amount of any unused premium that is | | |
| Evanston | | due to you from your old insurance | | Agent's License: A certificate of |
| Greeley | | company, or having to spar with your | | authority from the state which permits |
| New Orleans | | agent about exactly when your policy | | the agent to conduct business. |
| Muncie | | was cancelled and how much they | | |
| Dubuque | | owe you. | | Book Value: Refers to the value of |
| Providence | | | | assets as shown in the official |
| Newport Beach | | The quickest and easiest way to | | accounting records of the company. |
| Lafayette | | shop for new insurance is by | | |
| Columbus | | comparing rates at InsWebs online | | Accident: An unplanned event, |
| Virginia Beach | | marketplace. If you do it the | | unexpected and undesigned, which |
| Santa Monica | | old-fashioned way (by calling or | | occurs suddenly and at a definite |
| Council Bluffs | | visiting multiple agents or insurance | | place. |
| Costa Mesa | | companies) it could take up a huge | | |
| Portland | | chunk of your time, which no one | | American Risk and Insurance |
| Hemet | | wants or needs. By completing | | Association: An association of |
| Palo Alto | | InsWebs online application, you will | | insurance educators and others |
| Greenville | | have rates to compare to your old | | interested in insurance study and |
| Madison | | ones within minutes! | | research. |
