| | | | |
|
| Longwood | | People who are trying to quit | | Index Bureau Experience: A measure |
| Richmond | | smoking, for example, might be best | | of losses relating to claims reported |
| Ocala | | suited purchasing a shorter term (and | | through a claim office during a |
| Beaumont | | then replacing it with a longer term | | 12-month period. |
| Bakersfield | | policy when they qualify for | | |
| Ocala | | non-tobacco prices). | | Will Ride: Coverage that remains in |
| Amarillo | | | | effect regardless of the geographical |
| Lafayette | | Individuals who have 30-year | | location in which a loss occurs. |
| South Bend | | mortgages might want to consider a | | |
| Birmingham | | 30-year term to ensure that the house | | Legislative Risk: A risk faced by |
| Toledo | | is protected throughout the period of | | investors whereby changes in tax |
| Clinton Township | | the loan. | | laws can result in adverse effects on |
| Providence | | | | the individual's investment results. |
| Hendersonville | | Why not take advantage of current | | |
| Athens | | low prices? Many auto insurance | | Gross Premium: The net premium |
| Oakland | | consumers are becoming educated | | plus operating expenses, |
| Myrtle Beach | | on other companies, plans, and rates | | commissions and other expenses. |
| Louisville | | that are available to them; ones that | | |
| Southfield | | could afford them significant savings | | Nonadmitted Insurer: An insurer not |
| Racine | | on their auto insurance. | | licensed to do business in the |
| Santa Monica | | | | jurisdiction in question. Same as |
| Englewood | | Healthy people have the best | | Unauthorized Insurer and Unlicensed |
| Bakersfield | | mortality risks and thus are much | | Insurer. |
| Sacramento | | cheaper for companies to insure. This | | |
| Grand Prairie | | translates into lower rates for the | | Lloyd's Broker: A person who has the |
| Columbia | | Super Preferred customer than | | authority to negotiate insurance |
| Palo Alto | | someone with higher risk factors such | | contracts with the underwriters on the |
| Billings | | as a heart condition, cancer or | | floor at Lloyd's. |
| Evanston | | diabetes. Conversely, if you were | | |
| Torrance | | unhealthy when you acquired your | | Not Taken: Policies applied for and |
| Reno | | policy, and your health has now | | issued but rejected by the proposed |
| Omaha | | improved, it might be time to shop for | | owner and not paid for. |
| Tacoma | | a new policy, as your rates are likely | | |
| Williamsport | | to be lower. | | Tabular Plan: A retrospective rating |
| Fort Collins | | | | plan, which uses tables to furnish the |
| Salem | | | | various values for the rating formula. |
