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| Alexandria | | Everyone has different needs, and | | Equity: The money value of an |
| Lafayette | | not one size fits all when it comes to | | insurance company that is over and |
| Warren | | term life insurance. While it may make | | above its liabilities. Liabilities include |
| Phoenix | | sense for people in their 30s and 40s | | almost all of its reserves. |
| Florissant | | to secure a 20-year term length, a | | |
| Dearborn | | 10-year term might be more | | Net Loss: The amount of loss |
| Pensacola | | appropriate for someone nearing | | sustained by an insurer after giving |
| Jacksonville | | retirement. | | effect to all applicable reinsurance, |
| West Chester | | | | salvage, and subrogation recoveries. |
| Santa Barbara | | Shopping around is the best way to | | |
| Little Rock | | save money on your insurance. | | Initial Premium: An amount paid at the |
| Philadelphia | | | | inception of an insurance contract, |
| Poughkeepsie | | Healthy people have the best | | usually subject to adjustment at the |
| Greenville | | mortality risks and thus are much | | end of the policy period. |
| Gulfport | | cheaper for companies to insure. This | | |
| Atlanta | | translates into lower rates for the | | United States Aircraft Insurance |
| Charlotte | | Super Preferred customer than | | Group: A group of insurers providing |
| Lincoln | | someone with higher risk factors such | | facilities for all forms of Aviation |
| Pompano Beach | | as a heart condition, cancer or | | Insurance. |
| Phoenix | | diabetes. Conversely, if you were | | |
| Orange | | unhealthy when you acquired your | | Replacement: A new policy written to |
| Flushing | | policy, and your health has now | | take the place of one currently in force. |
| Quincy | | improved, it might be time to shop for | | |
| Livonia | | a new policy, as your rates are likely | | Index Bureau Experience: A measure |
| Evanston | | to be lower. | | of losses relating to claims reported |
| Chesapeake | | | | through a claim office during a |
| Pompano Beach | | Why not take advantage of current | | 12-month period. |
| Portland | | low prices? Many auto insurance | | |
| Louisville | | consumers are becoming educated | | Public Adjuster: An insurance adjuster |
| Warren | | on other companies, plans, and rates | | who represents an insured on a fee |
| Jackson | | that are available to them; ones that | | basis in claims settlement. Contrast |
| Albany | | could afford them significant savings | | with Independent Adjuster. |
| North Hollywood | | on their auto insurance. | | |
| Long Beach | | | | Tabular Plan: A retrospective rating |
| San Jose | | | | plan, which uses tables to furnish the |
| Fort Wayne | | | | various values for the rating formula. |
