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| Chula Vista | | Healthy people have the best | | Preferred Risk: Any risk considered |
| Dearborn | | mortality risks and thus are much | | to be better than the standard risk on |
| Bethlehem | | cheaper for companies to insure. This | | which the premium rate was |
| Tuscaloosa | | translates into lower rates for the | | calculated. |
| Lowell | | Super Preferred customer than | | |
| Charleston | | someone with higher risk factors such | | Single Limit: Any insurance coverage |
| Winter Haven | | as a heart condition, cancer or | | which is expressed as a single |
| Toledo | | diabetes. Conversely, if you were | | amount of insurance, or a single limit |
| Kansas City | | unhealthy when you acquired your | | of liability. Contrast with Split Limit. |
| Brooklyn | | policy, and your health has now | | |
| Roanoke | | improved, it might be time to shop for | | Paid-In Surplus: Surplus paid in by |
| Peoria | | a new policy, as your rates are likely | | stockholders, as contrasted with |
| Billings | | to be lower. | | surplus earned through the |
| Springfield | | | | operations of a business. |
| Kansas City | | The quickest and easiest way to | | |
| Palo Alto | | shop for new insurance is by | | License: A certification of authority for |
| Santa Clara | | comparing rates at InsWebs online | | an agent or insurer to operate, given |
| Santa Ana | | marketplace. If you do it the | | by the appropriate jurisdiction. |
| Scranton | | old-fashioned way (by calling or | | |
| Portland | | visiting multiple agents or insurance | | Appraisal: An evaluation of property |
| Erie | | companies) it could take up a huge | | made to ascertain either the |
| Springfield | | chunk of your time, which no one | | appropriate amount of insurance to |
| Glendale | | wants or needs. By completing | | be written or the amount of loss to be |
| Las Cruces | | InsWebs online application, you will | | paid. |
| Duluth | | have rates to compare to your old | | |
| Council Bluffs | | ones within minutes! | | Open Rating: A system whereby a |
| Greensboro | | | | state allows an insurer to use rates |
| Whittier | | We offer quotes for auto insurance, | | without prior approval. |
| Winter Park | | life insurance, homeowners | | |
| Syracuse | | insurance, health insurance, term life | | Operating Expense: The expense of |
| Kansas City | | insurance and more. | | an insurer other than commissions |
| Shreveport | | | | and taxes. Called " and Insurance |
| Austin | | People who are trying to quit | | Expense" in the convention statement |
| Spokane | | smoking, for example, might be best | | blank. |
| Seattle | | suited purchasing a shorter term (and | | |
| Wilmington | | then replacing it with a longer term | | |
| San Francisco | | policy when they qualify for | | |
| Berkeley | | non-tobacco prices). | | |
