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| Gaithersburg | | The best time to switch policies is | | Agency Company: An insurance |
| El Paso | | within one month of receiving your | | company that produces business |
| Dallas | | policy renewal from your current | | through an agency network. Contrast |
| Bloomington | | insurer. You can typically cancel your | | with Direct Writer. |
| Dayton | | policy without any fees or penalties if | | |
| Indianapolis | | you act within this time period. | | Cut Rate: This term generally applies |
| Clearwater | | | | to insurance companies who charge |
| Knoxville | | Healthy people have the best | | premiums below a normal or average |
| Tucson | | mortality risks and thus are much | | rate. |
| Sterling Heights | | cheaper for companies to insure. This | | |
| Pensacola | | translates into lower rates for the | | Premium: The price of insurance |
| Quincy | | Super Preferred customer than | | protection for a specified risk for a |
| Plano | | someone with higher risk factors such | | specified period of time. |
| Winter Haven | | as a heart condition, cancer or | | |
| York | | diabetes. Conversely, if you were | | Agent's Qualification Law: Education, |
| Cypress | | unhealthy when you acquired your | | experience, and other requirements |
| Metairie | | policy, and your health has now | | imposed by the state upon persons |
| Bellevue | | improved, it might be time to shop for | | desiring to be licensed as agents. |
| Tucson | | a new policy, as your rates are likely | | |
| Harlingen | | to be lower. | | Claim Report: A report filed by an |
| Bay City | | | | agent setting forth the facts of a claim. |
| Raleigh | | While some companies raise their | | Same as Loss Report. |
| Charleston | | prices based on your actual age, | | |
| Clearwater | | most companies increase the price of | | Sole Proprietorship: A business |
| Springfield | | their policies six months before your | | enterprise owned by one person who |
| Sioux Falls | | birthday. Its a term called Age | | is its manager and employee. |
| Worcester | | Nearest in the industry, and that | | |
| Cleveland | | half-year price increase could really | | We/Us/Our: These words are used to |
| Warwick | | add up over a 20-year term policy. As | | refer to the insurer in many of the |
| Pueblo | | above, the quicker you purchase your | | modernized/personalized policy |
| Cranston | | policy the better. | | forms recently introduced. |
