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| Cleveland | | Why not take advantage of current | | Buy-Back" Deductible: A deductible |
| Longmont | | low prices? Many auto insurance | | which may be eliminated for an |
| Denton | | consumers are becoming educated | | additional premium in order to |
| Charleston | | on other companies, plans, and rates | | provide "first-dollar" coverage. |
| Olympia | | that are available to them; ones that | | |
| Fort Wayne | | could afford them significant savings | | Valued: Relating to an agreement by |
| El Paso | | on their auto insurance. | | an insurer to pay a specified amount |
| Lake Charles | | | | of money to or on behalf of the |
| El Cajon | | Healthy people have the best | | insured upon occurrence of a defined |
| Longwood | | mortality risks and thus are much | | loss. |
| Sumter | | cheaper for companies to insure. This | | |
| St. Louis | | translates into lower rates for the | | Not Taken: Policies applied for and |
| Mansfield | | Super Preferred customer than | | issued but rejected by the proposed |
| Stockbridge | | someone with higher risk factors such | | owner and not paid for. |
| Anaheim | | as a heart condition, cancer or | | |
| El Cajon | | diabetes. Conversely, if you were | | Calendar Year Experience: This |
| Houma | | unhealthy when you acquired your | | measures the premiums and losses |
| Huntington | | policy, and your health has now | | entered on accounting records during |
| Pembroke Pines | | improved, it might be time to shop for | | the 12-month calendar. |
| Cherry Hill | | a new policy, as your rates are likely | | |
| Gaithersburg | | to be lower. | | Insurance Policy: The printed form |
| Goldsboro | | | | which serves as the contract between |
| San Bernardino | | Everyone has different needs, and | | an insurer and an insured. |
| Palo Alto | | not one size fits all when it comes to | | |
| Palm Harbor | | term life insurance. While it may make | | Adjustment Bureau: A firm organized |
| Carlsbad | | sense for people in their 30s and 40s | | to provide adjustment services to |
| Alexandria | | to secure a 20-year term length, a | | insurers not wishing to create their |
| Palo Alto | | 10-year term might be more | | own claims division. |
| Chattanooga | | appropriate for someone nearing | | |
| Jasper | | retirement. | | Nonadmitted Insurer: An insurer not |
| Alpharetta | | | | licensed to do business in the |
| Irvine | | At InsWeb, you can compare free | | jurisdiction in question. Same as |
| Joliet | | online insurance quotes from many of | | Unauthorized Insurer and Unlicensed |
| Zanesville | | the nations leading insurance | | Insurer. |
| Henderson | | companies. | | |
