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| Palm Desert | | Why not take advantage of current | | Examiner: An employee assigned by |
| Santa Monica | | low prices? Many auto insurance | | the state insurance department to |
| Raleigh | | consumers are becoming educated | | audit insurers' records. |
| Rochester | | on other companies, plans, and rates | | |
| Portsmouth | | that are available to them; ones that | | Federal Deposit Insurance |
| Savannah | | could afford them significant savings | | Corporation (FDIC): An agency of the |
| Torrance | | on their auto insurance. | | federal government which insures |
| Staten Island | | | | bank deposits up to a stated |
| Bayside | | Individuals who have 30-year | | maximum. |
| Downey | | mortgages might want to consider a | | |
| Southfield | | 30-year term to ensure that the house | | Net Loss: The amount of loss |
| Jackson | | is protected throughout the period of | | sustained by an insurer after giving |
| Schenectady | | the loan. | | effect to all applicable reinsurance, |
| Greensboro | | | | salvage, and subrogation recoveries. |
| San Diego | | Healthy people have the best | | |
| Boulder | | mortality risks and thus are much | | Time Limits: The limits of time within |
| Jonesboro | | cheaper for companies to insure. This | | which notice of a claim and proof of a |
| Harrisburg | | translates into lower rates for the | | loss must be submitted. |
| Alexandria | | Super Preferred customer than | | |
| Albuquerque | | someone with higher risk factors such | | Approved: The condition which exists |
| Roanoke | | as a heart condition, cancer or | | when the person or object to be |
| Vineland | | diabetes. Conversely, if you were | | insured meets the underwriting |
| Charlotte | | unhealthy when you acquired your | | standards of the insurer. |
| Poughkeepsie | | policy, and your health has now | | |
| Scranton | | improved, it might be time to shop for | | Buy-Back" Deductible: A deductible |
| St. Paul | | a new policy, as your rates are likely | | which may be eliminated for an |
| Arlington | | to be lower. | | additional premium in order to |
| Orange | | | | provide "first-dollar" coverage. |
| Baltimore | | Everyone has different needs, and | | |
| Edison | | not one size fits all when it comes to | | Not Taken: Policies applied for and |
| Fredericksburg | | term life insurance. While it may make | | issued but rejected by the proposed |
| Walnut Creek | | sense for people in their 30s and 40s | | owner and not paid for. |
| Washington | | to secure a 20-year term length, a | | |
| Hot Springs | | 10-year term might be more | | Exclusions: Specific situations, |
| Asheville | | appropriate for someone nearing | | conditions, or circumstances that are |
| Decatur | | retirement. | | listed in the contract as being not |
| Gaithersburg | | | | covered. |
