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| Chattanooga | | Individuals who have 30-year | | Adjustment Bureau: A firm organized |
| San Diego | | mortgages might want to consider a | | to provide adjustment services to |
| Odessa | | 30-year term to ensure that the house | | insurers not wishing to create their |
| Sunnyvale | | is protected throughout the period of | | own claims division. |
| Florence | | the loan. | | |
| Nashville | | | | Buy-Back" Deductible: A deductible |
| Evanston | | While some companies raise their | | which may be eliminated for an |
| Portsmouth | | prices based on your actual age, | | additional premium in order to |
| Walnut Creek | | most companies increase the price of | | provide "first-dollar" coverage. |
| Poughkeepsie | | their policies six months before your | | |
| Modesto | | birthday. Its a term called Age | | Notice To Company: Written notice to |
| Rockville | | Nearest in the industry, and that | | an insurer of the occurrence of an |
| Santa Barbara | | half-year price increase could really | | event which a claim is to be based. |
| Wichita Falls | | add up over a 20-year term policy. As | | |
| Chula Vista | | above, the quicker you purchase your | | Capital Sum: The maximum lump sum |
| Greeley | | policy the better. | | payable in the event of accidental |
| Coral Springs | | | | death or dismemberment. |
| Waterloo | | The best time to switch policies is | | |
| Wilmington | | within one month of receiving your | | Theory of Probability: The |
| Lakeland | | policy renewal from your current | | mathematical principle upon which |
| Turlock | | insurer. You can typically cancel your | | insurance is based. |
| Clearwater | | policy without any fees or penalties if | | |
| Ocala | | you act within this time period. | | Valuation Clause: A clause stating the |
| Warren | | | | value of items for insurance |
| Venice | | If you have noticed that your auto | | purposes, making it a valued policy. |
| Buffalo | | insurance rates are still increasing | | |
| Lorain | | with each renewal, or even have not | | Broker-Agent: One acting as an agent |
| Joliet | | gone down even though you have a | | of one or more insurers and as a |
| Columbus | | great driving record, this lower pricing | | broker in dealing with one or more |
| Louisville | | trend makes it more important then | | other insurers. |
| Lexington | | ever that you shop around for auto | | |
| Slidell | | insurance. | | Line of Business: The classification of |
| Cookeville | | | | business as utilized in the insurance |
| Fort Worth | | Healthy people have the best | | industry, e.g., Fire, Allied Lines and |
| St. Louis | | mortality risks and thus are much | | Homeowners. |
| Newburgh | | cheaper for companies to insure. This | | |
| Jasper | | translates into lower rates for the | | |
| Southfield | | Super Preferred customer than | | |
| Bloomington | | someone with higher risk factors such | | |
| Inglewood | | as a heart condition, cancer or | | |
| Flushing | | diabetes. Conversely, if you were | | |
| Sacramento | | unhealthy when you acquired your | | |
| Duluth | | policy, and your health has now | | |
| Athens | | improved, it might be time to shop for | | |
| Columbia | | a new policy, as your rates are likely | | |
| Philadelphia | | to be lower. | | |
