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| Miami | | Healthy people have the best | | Claim: A demand made by the |
| Pembroke Pines | | mortality risks and thus are much | | insured, or the insured's beneficiary, |
| Acworth | | cheaper for companies to insure. This | | for payment of the benefits provided |
| Pittsburgh | | translates into lower rates for the | | by the contract. |
| San Diego | | Super Preferred customer than | | |
| Corona | | someone with higher risk factors such | | Deflation: An economic period |
| High Point | | as a heart condition, cancer or | | characterized by falling prices, high |
| Kansas City | | diabetes. Conversely, if you were | | unemployment and a generally |
| Clarksville | | unhealthy when you acquired your | | sluggish or slow economy. |
| Palm Harbor | | policy, and your health has now | | |
| Norfolk | | improved, it might be time to shop for | | Admitted (or Allowed) Assets: Assets |
| Vero Beach | | a new policy, as your rates are likely | | whose values are permitted by state |
| Johnstown | | to be lower. | | law to be included in the annual |
| Garland | | | | statement of the insurer. |
| Savannah | | People who are trying to quit | | |
| Lake Charles | | smoking, for example, might be best | | License: A certification of authority for |
| Bellevue | | suited purchasing a shorter term (and | | an agent or insurer to operate, given |
| Honolulu | | then replacing it with a longer term | | by the appropriate jurisdiction. |
| Peoria | | policy when they qualify for | | |
| Independence | | non-tobacco prices). | | Coding: A method of putting |
| Livonia | | | | information into a numerical form for |
| Honolulu | | Why not take advantage of current | | statistical use. Most information on |
| Indianapolis | | low prices? Many auto insurance | | policies is coded and then put into |
| Charleston | | consumers are becoming educated | | reports. |
| Baton Rouge | | on other companies, plans, and rates | | |
| High Point | | that are available to them; ones that | | Lapsed Policy: One which has been |
| Scranton | | could afford them significant savings | | allowed to expire because of |
| Santa Barbara | | on their auto insurance. | | nonpayment of premiums. |
