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| San Antonio | | Healthy people have the best | | Will Ride: Coverage that remains in |
| Vancouver | | mortality risks and thus are much | | effect regardless of the geographical |
| Staten Island | | cheaper for companies to insure. This | | location in which a loss occurs. |
| Las Vegas | | translates into lower rates for the | | |
| Denver | | Super Preferred customer than | | United States Aircraft Insurance |
| Harlingen | | someone with higher risk factors such | | Group: A group of insurers providing |
| Colorado Springs | | as a heart condition, cancer or | | facilities for all forms of Aviation |
| Lowell | | diabetes. Conversely, if you were | | Insurance. |
| Burbank | | unhealthy when you acquired your | | |
| Monroe | | policy, and your health has now | | Independent Contractor: One who |
| Hampton | | improved, it might be time to shop for | | agrees to perform according to a |
| Fall River | | a new policy, as your rates are likely | | contract and who is not an employee. |
| Reading | | to be lower. | | |
| Pittsburgh | | | | License: A certification of authority for |
| St. Louis | | Individuals who have 30-year | | an agent or insurer to operate, given |
| Cherry Hill | | mortgages might want to consider a | | by the appropriate jurisdiction. |
| Orange Park | | 30-year term to ensure that the house | | |
| Anderson | | is protected throughout the period of | | Brokerage Department: A department |
| Charlotte | | the loan. | | of an insurer whose purpose is to |
| Panama City | | | | deal with brokers in the placing of |
| Kalamazoo | | Everyone has different needs, and | | insurance. |
| Spokane | | not one size fits all when it comes to | | |
| Billings | | term life insurance. While it may make | | Net Retention: The amount of |
| Indianapolis | | sense for people in their 30s and 40s | | insurance that a ceding company |
| Detroit | | to secure a 20-year term length, a | | keeps for its own account and does |
| Longwood | | 10-year term might be more | | not reinsure. |
| Texarkana | | appropriate for someone nearing | | |
| Morristown | | retirement. | | Index Bureau Experience: A measure |
| Allentown | | | | of losses relating to claims reported |
| Phoenix | | If you decide to cancel your policy | | through a claim office during a |
| Worcester | | (after acquiring new coverage) | | 12-month period. |
| Cranston | | outside of the 30-day period, you may | | |
| Muncie | | have to pay a fee or penalty. | | Commission of Authority: A document |
| Redlands | | However, you may still save money | | outlining the powers delegated to an |
| Santa Rosa | | after paying the fee if your new policy | | agent by an insurer. |
| Carlsbad | | affords you significant savings. So | | |
| San Francisco | | while it is best to wait until your | | |
| Chicago | | receive your renewal notice, you CAN | | |
| Omaha | | cancel your policy at any time. | | |
