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| Bloomington | | Healthy people have the best | | Basic Rate: The manual rate from |
| Asheville | | mortality risks and thus are much | | which discounts are taken or to which |
| Sioux City | | cheaper for companies to insure. This | | charges are added to reflect the |
| St. Louis | | translates into lower rates for the | | individual circumstances of a risk. |
| Fort Worth | | Super Preferred customer than | | |
| Sarasota | | someone with higher risk factors such | | Accidental Bodily Injury: An injury |
| Henderson | | as a heart condition, cancer or | | sustained accidentally. Only the result |
| Eugene | | diabetes. Conversely, if you were | | need be accidental. Contrast with |
| Bethlehem | | unhealthy when you acquired your | | Accidental Means. |
| Toledo | | policy, and your health has now | | |
| Alexandria | | improved, it might be time to shop for | | Depreciation: A decrease in the value |
| Flushing | | a new policy, as your rates are likely | | of any type of tangible property over |
| Davenport | | to be lower. | | a period of time resulting from use, |
| Newark | | | | wear and tear, or obsolescence. |
| Yonkers | | At InsWeb, you can compare free | | |
| Tuscaloosa | | online insurance quotes from many of | | Brokerage Business: Business |
| Memphis | | the nations leading insurance | | offered to an insurer by a broker. This |
| Charleston | | companies. | | is sometimes called excess or |
| Lima | | | | surplus business. |
| Lexington | | Everyone has different needs, and | | |
| Columbus | | not one size fits all when it comes to | | Building Code: This refers to |
| Tucson | | term life insurance. While it may make | | municipal or other governmental |
| Plano | | sense for people in their 30s and 40s | | ordinances regulating the type of |
| Augusta | | to secure a 20-year term length, a | | construction of buildings within its |
| Littleton | | 10-year term might be more | | jurisdiction. |
| Tampa | | appropriate for someone nearing | | |
| Johnstown | | retirement. | | Domestic Insurer (or Company): An |
| Anchorage | | | | insurer formed under the laws of the |
| Richmond | | People who are trying to quit | | state in which the insurance is written. |
| Clarksville | | smoking, for example, might be best | | |
| Philadelphia | | suited purchasing a shorter term (and | | Federal Deposit Insurance |
| Alameda | | then replacing it with a longer term | | Corporation (FDIC): An agency of the |
| New Port Richey | | policy when they qualify for | | federal government which insures |
| Greeley | | non-tobacco prices). | | bank deposits up to a stated |
| Buffalo | | | | maximum. |
