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| Athens | | Everyone has different needs, and | | Retrospective Premium: The final |
| Stamford | | not one size fits all when it comes to | | premium in a retrospective rating |
| Davenport | | term life insurance. While it may make | | plan. See Retrospective Rating. |
| Longview | | sense for people in their 30s and 40s | | |
| Elkhart | | to secure a 20-year term length, a | | Capital Sum: The maximum lump sum |
| Vancouver | | 10-year term might be more | | payable in the event of accidental |
| Durham | | appropriate for someone nearing | | death or dismemberment. |
| Huntington Beach | | retirement. | | |
| Baton Rouge | | | | Paid-In Surplus: Surplus paid in by |
| Palm Harbor | | Individuals who have 30-year | | stockholders, as contrasted with |
| Monroe | | mortgages might want to consider a | | surplus earned through the |
| Las Vegas | | 30-year term to ensure that the house | | operations of a business. |
| Atlanta | | is protected throughout the period of | | |
| Las Vegas | | the loan. | | Replacement: A new policy written to |
| Roanoke | | | | take the place of one currently in force. |
| Morristown | | Healthy people have the best | | |
| Southfield | | mortality risks and thus are much | | Exclusion: A contractual provision that |
| Marietta | | cheaper for companies to insure. This | | denies coverage for certain perils, |
| Pompano Beach | | translates into lower rates for the | | persons, property, or locations. |
| Portsmouth | | Super Preferred customer than | | |
| Raleigh | | someone with higher risk factors such | | Valuation Clause: A clause stating the |
| Corona | | as a heart condition, cancer or | | value of items for insurance |
| West Palm Beach | | diabetes. Conversely, if you were | | purposes, making it a valued policy. |
| Bayside | | unhealthy when you acquired your | | |
| Spokane | | policy, and your health has now | | Premises: The particular location of |
| Spartanburg | | improved, it might be time to shop for | | property or a portion thereof as |
| Conroe | | a new policy, as your rates are likely | | designated in a policy. |
| Las Cruces | | to be lower. | | |
| Omaha | | | | Standard Industry Code (SIC): This is |
| Durham | | If you have noticed that your auto | | a coding system which assigns |
| Duluth | | insurance rates are still increasing | | separate codes for different types of |
| Roanoke | | with each renewal, or even have not | | industries. |
| Morristown | | gone down even though you have a | | |
| Worcester | | great driving record, this lower pricing | | Insurance Policy: The printed form |
| Newark | | trend makes it more important then | | which serves as the contract between |
| Columbus | | ever that you shop around for auto | | an insurer and an insured. |
| Johnson City | | insurance. | | |
