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| Aurora | | People who are trying to quit | | Premium: The price of insurance |
| Las Vegas | | smoking, for example, might be best | | protection for a specified risk for a |
| Milwaukee | | suited purchasing a shorter term (and | | specified period of time. |
| Redlands | | then replacing it with a longer term | | |
| Pembroke Pines | | policy when they qualify for | | Absolute Assignment: Assignment by |
| Newark | | non-tobacco prices). | | a policy owner of all control of and |
| Williamsport | | | | rights in the policy to a third party. |
| Richmond | | Shopping around is the best way to | | |
| Austin | | save money on your insurance. | | Dual Life Stock Company: A stock |
| Venice | | | | Life insurer issuing both participating |
| Winter Park | | The best time to switch policies is | | and nonparticipating policy contracts. |
| Houma | | within one month of receiving your | | |
| Fredericksburg | | policy renewal from your current | | Short Rate Premium: The premium |
| Mesa | | insurer. You can typically cancel your | | required for issuing a policy for a |
| Dubuque | | policy without any fees or penalties if | | period less than its normal term. |
| Anderson | | you act within this time period. | | |
| White Plains | | | | Borderline Risk: An insurance |
| Jacksonville | | Why not take advantage of current | | prospect of doubtful quality from an |
| Cookeville | | low prices? Many auto insurance | | underwriting point of view. |
| Florissant | | consumers are becoming educated | | |
| South Bend | | on other companies, plans, and rates | | Insolvent Insurer: An insurer which is |
| Santa Clara | | that are available to them; ones that | | unable to meet its financial |
| Irvine | | could afford them significant savings | | obligations. |
| Chandler | | on their auto insurance. | | |
| Santa Rosa | | | | Amendment: A formal document |
| Jacksonville | | Healthy people have the best | | which corrects or revises an |
| Tuscaloosa | | mortality risks and thus are much | | insurance master policy. |
| Quincy | | cheaper for companies to insure. This | | |
| St. Louis | | translates into lower rates for the | | Admitted Company: An insurance |
| Fremont | | Super Preferred customer than | | company authorized and licensed to |
| Columbus | | someone with higher risk factors such | | do business in a given state. |
| Johnstown | | as a heart condition, cancer or | | |
| Las Cruces | | diabetes. Conversely, if you were | | Criticism: A correction suggested by a |
| Council Bluffs | | unhealthy when you acquired your | | rating or auditing bureau to an insurer. |
| Toms River | | policy, and your health has now | | |
| Lawrenceville | | improved, it might be time to shop for | | |
| Beaumont | | a new policy, as your rates are likely | | |
| Yonkers | | to be lower. | | |
