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| Oklahoma City | | Healthy people have the best | | Independent Contractor: One who |
| Chattanooga | | mortality risks and thus are much | | agrees to perform according to a |
| El Cajon | | cheaper for companies to insure. This | | contract and who is not an employee. |
| Albany | | translates into lower rates for the | | |
| Des Moines | | Super Preferred customer than | | Tabular Plan: A retrospective rating |
| Dayton | | someone with higher risk factors such | | plan, which uses tables to furnish the |
| Conroe | | as a heart condition, cancer or | | various values for the rating formula. |
| Rome | | diabetes. Conversely, if you were | | |
| Pembroke Pines | | unhealthy when you acquired your | | Claim Report: A report filed by an |
| Phoenix | | policy, and your health has now | | agent setting forth the facts of a claim. |
| Tallahassee | | improved, it might be time to shop for | | Same as Loss Report. |
| Daytona Beach | | a new policy, as your rates are likely | | |
| Warren | | to be lower. | | Underinsurance: A condition in which |
| Hendersonville | | | | not enough insurance is carried to |
| Conroe | | While some companies raise their | | cover the insurable value. |
| Westbury | | prices based on your actual age, | | |
| Harrisburg | | most companies increase the price of | | Commission of Authority: A document |
| Reno | | their policies six months before your | | outlining the powers delegated to an |
| Grand Rapids | | birthday. Its a term called Age | | agent by an insurer. |
| New York | | Nearest in the industry, and that | | |
| Turlock | | half-year price increase could really | | Net Interest Earned: The average |
| Rome | | add up over a 20-year term policy. As | | interest earned by an insurer on its |
| Arlington | | above, the quicker you purchase your | | investments after investment expense |
| Las Vegas | | policy the better. | | but before federal income taxes. |
