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| Lafayette | | Everyone has different needs, and | | Basic Rate: The manual rate from |
| Scottsdale | | not one size fits all when it comes to | | which discounts are taken or to which |
| Frederick | | term life insurance. While it may make | | charges are added to reflect the |
| York | | sense for people in their 30s and 40s | | individual circumstances of a risk. |
| Sterling Heights | | to secure a 20-year term length, a | | |
| Hattiesburg | | 10-year term might be more | | National Auto Theft Bureau: An |
| Lafayette | | appropriate for someone nearing | | organization engaged in the |
| Salem | | retirement. | | prevention and reduction of motor |
| Lake Worth | | | | vehicle fire and theft losses. |
| Coral Springs | | People who are trying to quit | | |
| Louisville | | smoking, for example, might be best | | Not Taken: Policies applied for and |
| Marietta | | suited purchasing a shorter term (and | | issued but rejected by the proposed |
| Hickory | | then replacing it with a longer term | | owner and not paid for. |
| Ocala | | policy when they qualify for | | |
| Allentown | | non-tobacco prices). | | Criticism: A correction suggested by a |
| San Antonio | | | | rating or auditing bureau to an insurer. |
| Dubuque | | Individuals who have 30-year | | |
| Oklahoma City | | mortgages might want to consider a | | Absolute Assignment: Assignment by |
| Modesto | | 30-year term to ensure that the house | | a policy owner of all control of and |
| Memphis | | is protected throughout the period of | | rights in the policy to a third party. |
| Denver | | the loan. | | |
| Riverside | | | | Building Code: This refers to |
| Oakland | | The best time to switch policies is | | municipal or other governmental |
| Orange | | within one month of receiving your | | ordinances regulating the type of |
| Tucson | | policy renewal from your current | | construction of buildings within its |
| Virginia Beach | | insurer. You can typically cancel your | | jurisdiction. |
| Miami | | policy without any fees or penalties if | | |
| Hartford | | you act within this time period. | | Index Bureau Experience: A measure |
| Bloomington | | | | of losses relating to claims reported |
| Billings | | Healthy people have the best | | through a claim office during a |
| Asheville | | mortality risks and thus are much | | 12-month period. |
| Mesa | | cheaper for companies to insure. This | | |
| Santa Barbara | | translates into lower rates for the | | Commingling: An illegal practice |
| Worcester | | Super Preferred customer than | | which occurs when an agent mixes |
| Modesto | | someone with higher risk factors such | | personal funds with the insured's or |
| Pasadena | | as a heart condition, cancer or | | insurer's funds. |
| El Cajon | | diabetes. Conversely, if you were | | |
| Livonia | | unhealthy when you acquired your | | |
| Irvine | | policy, and your health has now | | |
| Livonia | | improved, it might be time to shop for | | |
| Chesapeake | | a new policy, as your rates are likely | | |
| Sioux Falls | | to be lower. | | |
