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| Bay City | | Healthy people have the best | | Commingling: An illegal practice |
| Columbia | | mortality risks and thus are much | | which occurs when an agent mixes |
| Tyler | | cheaper for companies to insure. This | | personal funds with the insured's or |
| Erie | | translates into lower rates for the | | insurer's funds. |
| Spring Hill | | Super Preferred customer than | | |
| Canton | | someone with higher risk factors such | | Agency Contract (or Agreement): The |
| Clearwater | | as a heart condition, cancer or | | document which establishes the legal |
| Carlsbad | | diabetes. Conversely, if you were | | relationship between an agent and an |
| Muskegon | | unhealthy when you acquired your | | insurer. |
| Green Bay | | policy, and your health has now | | |
| Staten Island | | improved, it might be time to shop for | | Losses Outstanding: A summary |
| Hickory | | a new policy, as your rates are likely | | statement prepared by Property, Life, |
| Jasper | | to be lower. | | and Liability insurers showing claims |
| Kalamazoo | | | | not yet settled. |
| Wilmington | | Individuals who have 30-year | | |
| San Bernardino | | mortgages might want to consider a | | Deductible: The portion of an insured |
| Pensacola | | 30-year term to ensure that the house | | loss to be borne by the insured |
| Santa Rosa | | is protected throughout the period of | | before he is entitled to recovery from |
| Pittsburgh | | the loan. | | the insurer. |
