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| Bayside | | Healthy people have the best | | Replacement: A new policy written to |
| Newburgh | | mortality risks and thus are much | | take the place of one currently in force. |
| Franklin | | cheaper for companies to insure. This | | |
| Toledo | | translates into lower rates for the | | Broker-Agent: One acting as an agent |
| Peoria | | Super Preferred customer than | | of one or more insurers and as a |
| Detroit | | someone with higher risk factors such | | broker in dealing with one or more |
| Richmond | | as a heart condition, cancer or | | other insurers. |
| Manchester | | diabetes. Conversely, if you were | | |
| Athens | | unhealthy when you acquired your | | Professional Insurance Agents |
| Elkhart | | policy, and your health has now | | Association: A trade association of |
| Frederick | | improved, it might be time to shop for | | mutual insurance agents. |
| Hampton | | a new policy, as your rates are likely | | |
| Los Angeles | | to be lower. | | War Risk Insurance: Insurance |
| Union | | | | covering damage caused by war. |
| Ann Arbor | | Why not take advantage of current | | Most often written by Ocean Marine |
| New Orleans | | low prices? Many auto insurance | | Insurance companies covering |
| Spring Hill | | consumers are becoming educated | | vessels. |
| Nashville | | on other companies, plans, and rates | | |
| Lake Charles | | that are available to them; ones that | | Loss Adjustment Expense: The cost |
| Cape Coral | | could afford them significant savings | | of adjusting losses, excluding the |
| Milwaukee | | on their auto insurance. | | amount of the loss itself. |
