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| Seattle | | Healthy people have the best | | Equity: The money value of an |
| Birmingham | | mortality risks and thus are much | | insurance company that is over and |
| Stockbridge | | cheaper for companies to insure. This | | above its liabilities. Liabilities include |
| Lawrenceville | | translates into lower rates for the | | almost all of its reserves. |
| Aurora | | Super Preferred customer than | | |
| Albuquerque | | someone with higher risk factors such | | Interstate Carrier: A transportation |
| Chandler | | as a heart condition, cancer or | | company which does business |
| Independence | | diabetes. Conversely, if you were | | across state lines. |
| Little Rock | | unhealthy when you acquired your | | |
| Little Rock | | policy, and your health has now | | Short-Term Policy: A policy written for |
| Bronx | | improved, it might be time to shop for | | a period of less time than is normal for |
| Overland Park | | a new policy, as your rates are likely | | that type of policy. |
| Gainesville | | to be lower. | | |
| Lexington | | | | Retail Credit Company: The former |
| Modesto | | People who are trying to quit | | name of Equifax, a credit reporting |
| Corona | | smoking, for example, might be best | | organization. See Equifax. |
| Tyler | | suited purchasing a shorter term (and | | |
| Alameda | | then replacing it with a longer term | | Broker of Record: A broker who has |
| Poughkeepsie | | policy when they qualify for | | been designated to handle certain |
| Newark | | non-tobacco prices). | | insurance contracts for the |
| Orlando | | | | policyholder. |
| Downey | | If you decide to cancel your policy | | |
| El Paso | | (after acquiring new coverage) | | Indemnity: Restoration to the victim of |
| Columbia | | outside of the 30-day period, you may | | a loss by payment, repair, or |
| Newport News | | have to pay a fee or penalty. | | replacement. |
| New York | | However, you may still save money | | |
| Dothan | | after paying the fee if your new policy | | Agency: An insurance sales office |
| Kansas City | | affords you significant savings. So | | which is directed by a agent, |
| Jackson | | while it is best to wait until your | | manager, independent agent, or |
| Cleveland | | receive your renewal notice, you CAN | | company manager. |
| Newark | | cancel your policy at any time. | | |
| Huntington Beach | | | | Mandatory Valuation Reserve: A |
| Cleveland | | Individuals who have 30-year | | reserve required by a state law to |
| El Cajon | | mortgages might want to consider a | | offset any declines in the valuation of |
| Columbia | | 30-year term to ensure that the house | | securities listed as admitted assets. |
| Florissant | | is protected throughout the period of | | |
| Jackson | | the loan. | | |
