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| Pompano Beach | | Healthy people have the best | | Policywriting Agent: An agent who has |
| Tempe | | mortality risks and thus are much | | the authority to prepare and effect an |
| Lima | | cheaper for companies to insure. This | | insurer's policy. |
| Omaha | | translates into lower rates for the | | |
| Beaumont | | Super Preferred customer than | | Operating Expense: The expense of |
| Lakeland | | someone with higher risk factors such | | an insurer other than commissions |
| Houma | | as a heart condition, cancer or | | and taxes. Called " and Insurance |
| Asheville | | diabetes. Conversely, if you were | | Expense" in the convention statement |
| Burbank | | unhealthy when you acquired your | | blank. |
| Cleveland | | policy, and your health has now | | |
| Florence | | improved, it might be time to shop for | | Interline Endorsement: Commercial |
| Mobile | | a new policy, as your rates are likely | | endorsements that apply, or could |
| Jacksonville | | to be lower. | | apply, to more than one coverage |
| Portland | | | | part of a package policy. |
| St. Paul | | While some companies raise their | | |
| Atlanta | | prices based on your actual age, | | Indemnity: Restoration to the victim of |
| Bloomington | | most companies increase the price of | | a loss by payment, repair, or |
| Poughkeepsie | | their policies six months before your | | replacement. |
| St. Louis | | birthday. Its a term called Age | | |
| Independence | | Nearest in the industry, and that | | Interstate Carrier: A transportation |
| Fort Collins | | half-year price increase could really | | company which does business |
| Hollywood | | add up over a 20-year term policy. As | | across state lines. |
| Thousand Oaks | | above, the quicker you purchase your | | |
| Cypress | | policy the better. | | Admitted (or Allowed) Assets: Assets |
| Dallas | | | | whose values are permitted by state |
| Corona | | Individuals who have 30-year | | law to be included in the annual |
| Rochester | | mortgages might want to consider a | | statement of the insurer. |
| Santa Monica | | 30-year term to ensure that the house | | |
| Buffalo | | is protected throughout the period of | | Equity: The money value of an |
| Dayton | | the loan. | | insurance company that is over and |
| Goldsboro | | | | above its liabilities. Liabilities include |
| Mesquite | | The best time to switch policies is | | almost all of its reserves. |
| Raleigh | | within one month of receiving your | | |
| Evansville | | policy renewal from your current | | Admitted Company: An insurance |
| Albuquerque | | insurer. You can typically cancel your | | company authorized and licensed to |
| Fairfax | | policy without any fees or penalties if | | do business in a given state. |
| Reading | | you act within this time period. | | |
