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| Dothan | | Individuals who have 30-year | | Examiner: An employee assigned by |
| Chattanooga | | mortgages might want to consider a | | the state insurance department to |
| Sumter | | 30-year term to ensure that the house | | audit insurers' records. |
| Valdosta | | is protected throughout the period of | | |
| Spartanburg | | the loan. | | Sole Proprietorship: A business |
| Hattiesburg | | | | enterprise owned by one person who |
| Columbus | | Everyone has different needs, and | | is its manager and employee. |
| Denton | | not one size fits all when it comes to | | |
| Hemet | | term life insurance. While it may make | | Underinsurance: A condition in which |
| El Cajon | | sense for people in their 30s and 40s | | not enough insurance is carried to |
| West Palm Beach | | to secure a 20-year term length, a | | cover the insurable value. |
| Youngstown | | 10-year term might be more | | |
| Quincy | | appropriate for someone nearing | | Public Adjuster: An insurance adjuster |
| Harlingen | | retirement. | | who represents an insured on a fee |
| Newport Beach | | | | basis in claims settlement. Contrast |
| Beaumont | | If you have noticed that your auto | | with Independent Adjuster. |
| Fort Lauderdale | | insurance rates are still increasing | | |
| Hendersonville | | with each renewal, or even have not | | Open Rating: A system whereby a |
| Rapid City | | gone down even though you have a | | state allows an insurer to use rates |
| Corpus Christi | | great driving record, this lower pricing | | without prior approval. |
| Thousand Oaks | | trend makes it more important then | | |
| Rockford | | ever that you shop around for auto | | Insurance Examiner: The |
| Stockton | | insurance. | | representative of a state insurance |
| Harlingen | | | | department assigned to participate in |
| Colorado Springs | | Healthy people have the best | | the official audit and examination of |
| Richmond | | mortality risks and thus are much | | an insurer. |
| Wilmington | | cheaper for companies to insure. This | | |
| Greeley | | translates into lower rates for the | | Accident Year Experience: Measures |
| Huntington | | Super Preferred customer than | | premiums and losses relating to |
| Sarasota | | someone with higher risk factors such | | accidents which occurred during a |
| Portland | | as a heart condition, cancer or | | 12-month period. |
| Naperville | | diabetes. Conversely, if you were | | |
| Detroit | | unhealthy when you acquired your | | Minimum Premium: The smallest |
| Yonkers | | policy, and your health has now | | amount of premium for which an |
| Newburgh | | improved, it might be time to shop for | | insurer will issue coverage under a |
| Inglewood | | a new policy, as your rates are likely | | given policy. |
| Greensboro | | to be lower. | | |
