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| Topeka | | People who are trying to quit | | Adjustment Bureau: A firm organized |
| Oxnard | | smoking, for example, might be best | | to provide adjustment services to |
| Shreveport | | suited purchasing a shorter term (and | | insurers not wishing to create their |
| Santa Rosa | | then replacing it with a longer term | | own claims division. |
| Lawrenceville | | policy when they qualify for | | |
| Albany | | non-tobacco prices). | | Earned Income: The money |
| Malden | | | | individuals earn as a result of working |
| Savannah | | Healthy people have the best | | at some job or occupation for which |
| Monroe | | mortality risks and thus are much | | they are paid a salary. |
| Whittier | | cheaper for companies to insure. This | | |
| Brooklyn | | translates into lower rates for the | | Overlapping Insurance: Coverage |
| Chesapeake | | Super Preferred customer than | | from two or more policies or insurers |
| Henderson | | someone with higher risk factors such | | which duplicates coverage of certain |
| Vineland | | as a heart condition, cancer or | | risks. |
| Las Vegas | | diabetes. Conversely, if you were | | |
| San Bernardino | | unhealthy when you acquired your | | Claim Report: A report filed by an |
| Lubbock | | policy, and your health has now | | agent setting forth the facts of a claim. |
| Newburgh | | improved, it might be time to shop for | | Same as Loss Report. |
| Salt Lake City | | a new policy, as your rates are likely | | |
| Winter Haven | | to be lower. | | Standard Industry Code (SIC): This is |
| Milwaukee | | | | a coding system which assigns |
| Fort Wayne | | We offer quotes for auto insurance, | | separate codes for different types of |
| Valdosta | | life insurance, homeowners | | industries. |
| Quincy | | insurance, health insurance, term life | | |
| Huntington | | insurance and more. | | Index Bureau Experience: A measure |
| Belleville | | | | of losses relating to claims reported |
| Johnson City | | Make sure you have a new policy in | | through a claim office during a |
| Augusta | | place before you cancel your old one | | 12-month period. |
| Goldsboro | | to avoid a lapse in coverage. This will | | |
| Acworth | | also prevent having to figure out the | | Net Interest Earned: The average |
| Boston | | amount of any unused premium that is | | interest earned by an insurer on its |
| Virginia Beach | | due to you from your old insurance | | investments after investment expense |
| Troy | | company, or having to spar with your | | but before federal income taxes. |
| Orange | | agent about exactly when your policy | | |
| Santa Barbara | | was cancelled and how much they | | |
| Turlock | | owe you. | | |
