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| Jonesboro | | People who are trying to quit | | Divided Cover: The placing of |
| Bakersfield | | smoking, for example, might be best | | insurance on a given subject or |
| Bellevue | | suited purchasing a shorter term (and | | object with more than one insurer. |
| Omaha | | then replacing it with a longer term | | |
| Indianapolis | | policy when they qualify for | | Convention Values: Values assigned |
| Flushing | | non-tobacco prices). | | to insurers' assets in the convention |
| Dayton | | | | blank. |
| Winter Haven | | Healthy people have the best | | |
| Nashua | | mortality risks and thus are much | | Agency: An insurance sales office |
| Nashua | | cheaper for companies to insure. This | | which is directed by a agent, |
| Lakewood | | translates into lower rates for the | | manager, independent agent, or |
| Littleton | | Super Preferred customer than | | company manager. |
| San Francisco | | someone with higher risk factors such | | |
| Jacksonville | | as a heart condition, cancer or | | Brokerage Department: A department |
| Portsmouth | | diabetes. Conversely, if you were | | of an insurer whose purpose is to |
| San Francisco | | unhealthy when you acquired your | | deal with brokers in the placing of |
| Edmond | | policy, and your health has now | | insurance. |
| White Plains | | improved, it might be time to shop for | | |
| Duluth | | a new policy, as your rates are likely | | FICA. Federal Insurance Contributions |
| Santa Barbara | | to be lower. | | Act: A law imposing a payroll tax to |
| Shreveport | | | | assist in funding Social Security |
| Pittsburgh | | Make sure you have a new policy in | | benefits. |
| Seattle | | place before you cancel your old one | | |
| Duluth | | to avoid a lapse in coverage. This will | | Deflation: An economic period |
| Anaheim | | also prevent having to figure out the | | characterized by falling prices, high |
| Oxnard | | amount of any unused premium that is | | unemployment and a generally |
| Dothan | | due to you from your old insurance | | sluggish or slow economy. |
| Oklahoma City | | company, or having to spar with your | | |
| Boynton Beach | | agent about exactly when your policy | | Stock Option Plan: Surviving |
| Honolulu | | was cancelled and how much they | | stockholders have the option to |
| Corona | | owe you. | | purchase or not purchase the shares |
| Spokane | | | | of a deceased stockholder. |
| Lansing | | If you have noticed that your auto | | |
| Amarillo | | insurance rates are still increasing | | Exclusions: Specific situations, |
| Santa Clara | | with each renewal, or even have not | | conditions, or circumstances that are |
| White Plains | | gone down even though you have a | | listed in the contract as being not |
| Gulfport | | great driving record, this lower pricing | | covered. |
| White Plains | | trend makes it more important then | | |
| Joliet | | ever that you shop around for auto | | |
| Owensboro | | insurance. | | |
