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| Allentown | | Individuals who have 30-year | | Interstate Carrier: A transportation |
| Columbia | | mortgages might want to consider a | | company which does business |
| Newark | | 30-year term to ensure that the house | | across state lines. |
| Westbury | | is protected throughout the period of | | |
| Sarasota | | the loan. | | Collusion: An agreement, usually |
| Lake Charles | | | | secret, between two or more persons |
| Syracuse | | At InsWeb, you can compare free | | to defraud or deprive another or |
| Livonia | | online insurance quotes from many of | | others of their property or rights. |
| Cypress | | the nations leading insurance | | |
| Kansas City | | companies. | | Provisions: Statements contained in |
| Portsmouth | | | | an insurance policy which explain the |
| Newport Beach | | If you decide to cancel your policy | | benefits, conditions and other |
| St. Paul | | (after acquiring new coverage) | | features of the insurance contract. |
| St. Louis | | outside of the 30-day period, you may | | |
| Woodbridge | | have to pay a fee or penalty. | | Preferred Risk: Any risk considered |
| Des Moines | | However, you may still save money | | to be better than the standard risk on |
| Pittsburgh | | after paying the fee if your new policy | | which the premium rate was |
| Washington | | affords you significant savings. So | | calculated. |
| Whittier | | while it is best to wait until your | | |
| Scottsdale | | receive your renewal notice, you CAN | | Agency Company: An insurance |
| Mountain View | | cancel your policy at any time. | | company that produces business |
| Jackson | | | | through an agency network. Contrast |
| Riverside | | Healthy people have the best | | with Direct Writer. |
| Franklin | | mortality risks and thus are much | | |
| Escondido | | cheaper for companies to insure. This | | Brokerage Department: A department |
| Tulsa | | translates into lower rates for the | | of an insurer whose purpose is to |
| Acworth | | Super Preferred customer than | | deal with brokers in the placing of |
| Newburgh | | someone with higher risk factors such | | insurance. |
| Costa Mesa | | as a heart condition, cancer or | | |
| Palm Desert | | diabetes. Conversely, if you were | | Absolute Assignment: Assignment by |
| Palm Desert | | unhealthy when you acquired your | | a policy owner of all control of and |
| Buffalo | | policy, and your health has now | | rights in the policy to a third party. |
| Independence | | improved, it might be time to shop for | | |
| Newburgh | | a new policy, as your rates are likely | | Incurred Expense: Expenses not yet |
| Springfield | | to be lower. | | paid. Can also include paid |
| Cookeville | | | | expenses in some accounting |
| Beaumont | | | | systems. |
