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| Owensboro | | Healthy people have the best | | Preferred Risk: Any risk considered |
| St. Joseph | | mortality risks and thus are much | | to be better than the standard risk on |
| Florissant | | cheaper for companies to insure. This | | which the premium rate was |
| Muskegon | | translates into lower rates for the | | calculated. |
| Boise | | Super Preferred customer than | | |
| Amarillo | | someone with higher risk factors such | | Broker-Agent: One acting as an agent |
| Hemet | | as a heart condition, cancer or | | of one or more insurers and as a |
| Cedar Rapids | | diabetes. Conversely, if you were | | broker in dealing with one or more |
| Lansing | | unhealthy when you acquired your | | other insurers. |
| Pittsburgh | | policy, and your health has now | | |
| Jacksonville | | improved, it might be time to shop for | | Agency: An insurance sales office |
| Louisville | | a new policy, as your rates are likely | | which is directed by a agent, |
| Sioux Falls | | to be lower. | | manager, independent agent, or |
| New Port Richey | | | | company manager. |
| Norwalk | | While some companies raise their | | |
| Monroe | | prices based on your actual age, | | Flat Cancellation: A policy which is |
| Corona | | most companies increase the price of | | cancelled upon its effective date. |
| Frederick | | their policies six months before your | | Usually under a flat cancellation no |
| Reading | | birthday. Its a term called Age | | premium charge is made. |
| Vancouver | | Nearest in the industry, and that | | |
| Santa Rosa | | half-year price increase could really | | Approved Roof: A term used in |
| Conroe | | add up over a 20-year term policy. As | | building construction. It indicates a |
| Rochester | | above, the quicker you purchase your | | roof made of fire-resistive materials, |
| Philadelphia | | policy the better. | | such as tile or asphalt shingles. |
