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| Abilene | | Healthy people have the best | | Burning Ratio: The ratio of losses |
| Sacramento | | mortality risks and thus are much | | suffered to the amount of insurance in |
| Lake Charles | | cheaper for companies to insure. This | | effect. |
| Pensacola | | translates into lower rates for the | | |
| Flint | | Super Preferred customer than | | Gross Premium: The net premium |
| Vineland | | someone with higher risk factors such | | plus operating expenses, |
| Milwaukee | | as a heart condition, cancer or | | commissions and other expenses. |
| Reading | | diabetes. Conversely, if you were | | |
| Santa Ana | | unhealthy when you acquired your | | Fiduciary: A person holding the funds |
| Redlands | | policy, and your health has now | | or property of another in a position of |
| Lancaster | | improved, it might be time to shop for | | trust. An example would be the |
| Downey | | a new policy, as your rates are likely | | executor of an estate. |
| Williamsport | | to be lower. | | |
| Vero Beach | | | | Short Rate Premium: The premium |
| Mesa | | If you have noticed that your auto | | required for issuing a policy for a |
| Trenton | | insurance rates are still increasing | | period less than its normal term. |
| Abilene | | with each renewal, or even have not | | |
| Williamsburg | | gone down even though you have a | | Criticism: A correction suggested by a |
| Decatur | | great driving record, this lower pricing | | rating or auditing bureau to an insurer. |
| Acworth | | trend makes it more important then | | |
| Anchorage | | ever that you shop around for auto | | Captive Agent: One who sells |
| Tallahassee | | insurance. | | insurance for only one company as |
| Bloomington | | | | opposed to an agent who represents |
| Knoxville | | People who are trying to quit | | several companies. |
| Des Moines | | smoking, for example, might be best | | |
| Bayside | | suited purchasing a shorter term (and | | Federal Deposit Insurance |
| Williamsburg | | then replacing it with a longer term | | Corporation (FDIC): An agency of the |
| Stockton | | policy when they qualify for | | federal government which insures |
| Charleston | | non-tobacco prices). | | bank deposits up to a stated |
| Wilmington | | | | maximum. |
| Greeley | | Individuals who have 30-year | | |
| Union | | mortgages might want to consider a | | Expense Allowance: A compensation |
| Jacksonville | | 30-year term to ensure that the house | | paid to an insurance agent in excess |
| Plano | | is protected throughout the period of | | of prescribed commissions. |
| Gainesville | | the loan. | | |
