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| Chula Vista | | While some companies raise their | | Building Code: This refers to |
| Jackson | | prices based on your actual age, | | municipal or other governmental |
| Daytona Beach | | most companies increase the price of | | ordinances regulating the type of |
| El Cajon | | their policies six months before your | | construction of buildings within its |
| Chicago | | birthday. Its a term called Age | | jurisdiction. |
| Santa Ana | | Nearest in the industry, and that | | |
| Rapid City | | half-year price increase could really | | Theory of Probability: The |
| Rockford | | add up over a 20-year term policy. As | | mathematical principle upon which |
| Fort Wayne | | above, the quicker you purchase your | | insurance is based. |
| Flint | | policy the better. | | |
| Decatur | | | | Borderline Risk: An insurance |
| Pembroke Pines | | Healthy people have the best | | prospect of doubtful quality from an |
| El Cajon | | mortality risks and thus are much | | underwriting point of view. |
| Franklin | | cheaper for companies to insure. This | | |
| Tuscaloosa | | translates into lower rates for the | | Nonassignable: A policy that the |
| Lake Charles | | Super Preferred customer than | | owner cannot assign to a third party. |
| Goldsboro | | someone with higher risk factors such | | Most policies are nonassignable |
| San Antonio | | as a heart condition, cancer or | | unless approval is given by the |
| Madison | | diabetes. Conversely, if you were | | insurer. |
| Greensboro | | unhealthy when you acquired your | | |
| Flushing | | policy, and your health has now | | Replacement: A new policy written to |
| Grand Junction | | improved, it might be time to shop for | | take the place of one currently in force. |
| Midland | | a new policy, as your rates are likely | | |
| Shreveport | | to be lower. | | Adjustment Bureau: A firm organized |
| Tallahassee | | | | to provide adjustment services to |
| Erie | | The best time to switch policies is | | insurers not wishing to create their |
| Nashua | | within one month of receiving your | | own claims division. |
| Anchorage | | policy renewal from your current | | |
| Plano | | insurer. You can typically cancel your | | Amendment: A formal document |
| Chesapeake | | policy without any fees or penalties if | | which corrects or revises an |
| Stockton | | you act within this time period. | | insurance master policy. |
