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| Madison | | Healthy people have the best | | Overlapping Insurance: Coverage |
| Ann Arbor | | mortality risks and thus are much | | from two or more policies or insurers |
| Fort Lauderdale | | cheaper for companies to insure. This | | which duplicates coverage of certain |
| Arlington | | translates into lower rates for the | | risks. |
| Burbank | | Super Preferred customer than | | |
| Edison | | someone with higher risk factors such | | Loss Adjustment Expense: The cost |
| Hollywood | | as a heart condition, cancer or | | of adjusting losses, excluding the |
| Modesto | | diabetes. Conversely, if you were | | amount of the loss itself. |
| New Orleans | | unhealthy when you acquired your | | |
| Detroit | | policy, and your health has now | | Nonadmitted Insurer: An insurer not |
| Stamford | | improved, it might be time to shop for | | licensed to do business in the |
| Winter Haven | | a new policy, as your rates are likely | | jurisdiction in question. Same as |
| Miami | | to be lower. | | Unauthorized Insurer and Unlicensed |
| Racine | | | | Insurer. |
| Albany | | Everyone has different needs, and | | |
| Memphis | | not one size fits all when it comes to | | Professional Insurance Agents |
| Downey | | term life insurance. While it may make | | Association: A trade association of |
| Philadelphia | | sense for people in their 30s and 40s | | mutual insurance agents. |
| Athens | | to secure a 20-year term length, a | | |
| Racine | | 10-year term might be more | | Premium Notice: A form notice from |
| Springfield | | appropriate for someone nearing | | an insurer or agency to a policy |
| Anderson | | retirement. | | owner that a premium will be due on a |
| Joliet | | | | given date. |
| Springfield | | Why not take advantage of current | | |
| Clinton Township | | low prices? Many auto insurance | | Short-Term Policy: A policy written for |
| Cranston | | consumers are becoming educated | | a period of less time than is normal for |
| St. Louis | | on other companies, plans, and rates | | that type of policy. |
| Vero Beach | | that are available to them; ones that | | |
| Glendale | | could afford them significant savings | | Accident Year Experience: Measures |
| Lawton | | on their auto insurance. | | premiums and losses relating to |
| Mesa | | | | accidents which occurred during a |
| Portsmouth | | Individuals who have 30-year | | 12-month period. |
| Santa Clara | | mortgages might want to consider a | | |
| Gaithersburg | | 30-year term to ensure that the house | | Independent Agent: An agent |
| Macon | | is protected throughout the period of | | operating as an independent |
| Lawton | | the loan. | | contractor under the independent |
| Anderson | | | | agency system. |
