| | | | |
|
| Stamford | | We offer quotes for auto insurance, | | Equity: The money value of an |
| Naples | | life insurance, homeowners | | insurance company that is over and |
| Waco | | insurance, health insurance, term life | | above its liabilities. Liabilities include |
| Baton Rouge | | insurance and more. | | almost all of its reserves. |
| Jackson | | | | |
| Milwaukee | | Shopping around is the best way to | | Malinger: To feign a disability for the |
| Quincy | | save money on your insurance. | | purpose of continuing to collect |
| Fresno | | | | benefits longer than actually |
| Cape Coral | | Make sure you have a new policy in | | necessary. |
| Richmond | | place before you cancel your old one | | |
| Franklin | | to avoid a lapse in coverage. This will | | Buy-Back" Deductible: A deductible |
| Montgomery | | also prevent having to figure out the | | which may be eliminated for an |
| Evansville | | amount of any unused premium that is | | additional premium in order to |
| Columbus | | due to you from your old insurance | | provide "first-dollar" coverage. |
| Silver Spring | | company, or having to spar with your | | |
| Norwalk | | agent about exactly when your policy | | Preferred Risk: Any risk considered |
| Corona | | was cancelled and how much they | | to be better than the standard risk on |
| Metairie | | owe you. | | which the premium rate was |
| Venice | | | | calculated. |
| Long Island City | | People who are trying to quit | | |
| Madison | | smoking, for example, might be best | | Accidental Bodily Injury: An injury |
| York | | suited purchasing a shorter term (and | | sustained accidentally. Only the result |
| Boulder | | then replacing it with a longer term | | need be accidental. Contrast with |
| Pittsburgh | | policy when they qualify for | | Accidental Means. |
| Naples | | non-tobacco prices). | | |
| Portland | | | | License: A certification of authority for |
| Harrisburg | | Healthy people have the best | | an agent or insurer to operate, given |
| Shreveport | | mortality risks and thus are much | | by the appropriate jurisdiction. |
| St. Joseph | | cheaper for companies to insure. This | | |
| Springfield | | translates into lower rates for the | | Net Loss: The amount of loss |
| Franklin | | Super Preferred customer than | | sustained by an insurer after giving |
| Spartanburg | | someone with higher risk factors such | | effect to all applicable reinsurance, |
| Lincoln | | as a heart condition, cancer or | | salvage, and subrogation recoveries. |
| Walnut Creek | | diabetes. Conversely, if you were | | |
| Orlando | | unhealthy when you acquired your | | |
| Boulder | | policy, and your health has now | | |
| Corona | | improved, it might be time to shop for | | |
| York | | a new policy, as your rates are likely | | |
| Chattanooga | | to be lower. | | |
