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| Billings | | Individuals who have 30-year | | Broker of Record: A broker who has |
| Chicago | | mortgages might want to consider a | | been designated to handle certain |
| Cedar Rapids | | 30-year term to ensure that the house | | insurance contracts for the |
| Marietta | | is protected throughout the period of | | policyholder. |
| Killeen | | the loan. | | |
| Vero Beach | | | | Claim: A demand made by the |
| Bradenton | | The quickest and easiest way to | | insured, or the insured's beneficiary, |
| Mansfield | | shop for new insurance is by | | for payment of the benefits provided |
| Allentown | | comparing rates at InsWebs online | | by the contract. |
| Clearwater | | marketplace. If you do it the | | |
| Santa Ana | | old-fashioned way (by calling or | | Incurred Expense: Expenses not yet |
| Monroe | | visiting multiple agents or insurance | | paid. Can also include paid |
| Rome | | companies) it could take up a huge | | expenses in some accounting |
| San Bernardino | | chunk of your time, which no one | | systems. |
| El Cajon | | wants or needs. By completing | | |
| Pensacola | | InsWebs online application, you will | | Partial Loss: A loss covered by an |
| Buffalo | | have rates to compare to your old | | insurance policy which does not |
| Yonkers | | ones within minutes! | | completely destroy or render |
| Monroe | | | | worthless the insured property. |
| Nashua | | Healthy people have the best | | |
| Belleville | | mortality risks and thus are much | | Nonassignable: A policy that the |
| Arlington | | cheaper for companies to insure. This | | owner cannot assign to a third party. |
| Corona | | translates into lower rates for the | | Most policies are nonassignable |
| Lafayette | | Super Preferred customer than | | unless approval is given by the |
| Williamsburg | | someone with higher risk factors such | | insurer. |
| Hickory | | as a heart condition, cancer or | | |
| Lakeland | | diabetes. Conversely, if you were | | Malinger: To feign a disability for the |
| Stockbridge | | unhealthy when you acquired your | | purpose of continuing to collect |
| Texarkana | | policy, and your health has now | | benefits longer than actually |
| Savannah | | improved, it might be time to shop for | | necessary. |
| Fullerton | | a new policy, as your rates are likely | | |
| Buffalo | | to be lower. | | Coding: A method of putting |
| Raleigh | | | | information into a numerical form for |
| Vancouver | | Make sure you have a new policy in | | statistical use. Most information on |
| Irvine | | place before you cancel your old one | | policies is coded and then put into |
| Turlock | | to avoid a lapse in coverage. This will | | reports. |
| Greenville | | also prevent having to figure out the | | |
| Waco | | amount of any unused premium that is | | |
| New Port Richey | | due to you from your old insurance | | |
| Dearborn | | company, or having to spar with your | | |
| Schaumburg | | agent about exactly when your policy | | |
| Newark | | was cancelled and how much they | | |
| Orlando | | owe you. | | |
