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| Union | | People who are trying to quit | | Basic Rate: The manual rate from |
| Kalamazoo | | smoking, for example, might be best | | which discounts are taken or to which |
| San Francisco | | suited purchasing a shorter term (and | | charges are added to reflect the |
| Downey | | then replacing it with a longer term | | individual circumstances of a risk. |
| Longmont | | policy when they qualify for | | |
| Bethlehem | | non-tobacco prices). | | Provisional Rate: Tentative rates, |
| North Hollywood | | | | premiums or commissions that are |
| Rockville | | While some companies raise their | | subject to subsequent adjustment. |
| Silver Spring | | prices based on your actual age, | | See Commission and Premium. |
| High Point | | most companies increase the price of | | |
| Grand Junction | | their policies six months before your | | Preferred Risk: Any risk considered |
| Wichita Falls | | birthday. Its a term called Age | | to be better than the standard risk on |
| Joliet | | Nearest in the industry, and that | | which the premium rate was |
| Charleston | | half-year price increase could really | | calculated. |
| Bloomington | | add up over a 20-year term policy. As | | |
| Longwood | | above, the quicker you purchase your | | Agent's License: A certificate of |
| Stockbridge | | policy the better. | | authority from the state which permits |
| Minneapolis | | | | the agent to conduct business. |
| Hemet | | We offer quotes for auto insurance, | | |
| Fullerton | | life insurance, homeowners | | Nonadmitted Insurer: An insurer not |
| Santa Clara | | insurance, health insurance, term life | | licensed to do business in the |
| New Port Richey | | insurance and more. | | jurisdiction in question. Same as |
| Las Cruces | | | | Unauthorized Insurer and Unlicensed |
| Burbank | | Healthy people have the best | | Insurer. |
| Albany | | mortality risks and thus are much | | |
| Goldsboro | | cheaper for companies to insure. This | | Commingling: An illegal practice |
| Bloomington | | translates into lower rates for the | | which occurs when an agent mixes |
| Westbury | | Super Preferred customer than | | personal funds with the insured's or |
| Nashua | | someone with higher risk factors such | | insurer's funds. |
| Plano | | as a heart condition, cancer or | | |
| Athens | | diabetes. Conversely, if you were | | Overlapping Insurance: Coverage |
| Los Angeles | | unhealthy when you acquired your | | from two or more policies or insurers |
| Jersey City | | policy, and your health has now | | which duplicates coverage of certain |
| Indianapolis | | improved, it might be time to shop for | | risks. |
| Columbus | | a new policy, as your rates are likely | | |
| Albuquerque | | to be lower. | | |
