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| Colorado Springs | | Individuals who have 30-year | | Exclusions: Specific situations, |
| Fort Lauderdale | | mortgages might want to consider a | | conditions, or circumstances that are |
| Bakersfield | | 30-year term to ensure that the house | | listed in the contract as being not |
| Joliet | | is protected throughout the period of | | covered. |
| Huntington | | the loan. | | |
| Richmond | | | | Approved Roof: A term used in |
| New Orleans | | Why not take advantage of current | | building construction. It indicates a |
| Gulfport | | low prices? Many auto insurance | | roof made of fire-resistive materials, |
| Erie | | consumers are becoming educated | | such as tile or asphalt shingles. |
| West Chester | | on other companies, plans, and rates | | |
| Evansville | | that are available to them; ones that | | Standard Industry Code (SIC): This is |
| Garland | | could afford them significant savings | | a coding system which assigns |
| Acworth | | on their auto insurance. | | separate codes for different types of |
| Aurora | | | | industries. |
| Seattle | | While some companies raise their | | |
| Las Vegas | | prices based on your actual age, | | Adjustment Bureau: A firm organized |
| Staten Island | | most companies increase the price of | | to provide adjustment services to |
| Billings | | their policies six months before your | | insurers not wishing to create their |
| Duluth | | birthday. Its a term called Age | | own claims division. |
| Mountain View | | Nearest in the industry, and that | | |
| Toledo | | half-year price increase could really | | Not Taken: Policies applied for and |
| Vancouver | | add up over a 20-year term policy. As | | issued but rejected by the proposed |
| Metairie | | above, the quicker you purchase your | | owner and not paid for. |
| Manchester | | policy the better. | | |
| Killeen | | | | Amendment: A formal document |
| Chesapeake | | People who are trying to quit | | which corrects or revises an |
| Metairie | | smoking, for example, might be best | | insurance master policy. |
| Hollywood | | suited purchasing a shorter term (and | | |
| Columbia | | then replacing it with a longer term | | Claim: A demand made by the |
| Myrtle Beach | | policy when they qualify for | | insured, or the insured's beneficiary, |
| Tampa | | non-tobacco prices). | | for payment of the benefits provided |
| Glendale | | | | by the contract. |
| Wichita Falls | | Healthy people have the best | | |
| Florence | | mortality risks and thus are much | | Line of Business: The classification of |
| Glendale | | cheaper for companies to insure. This | | business as utilized in the insurance |
| Providence | | translates into lower rates for the | | industry, e.g., Fire, Allied Lines and |
| Olympia | | Super Preferred customer than | | Homeowners. |
| Waterloo | | someone with higher risk factors such | | |
| Rochester | | as a heart condition, cancer or | | |
| Sunnyvale | | diabetes. Conversely, if you were | | |
| Englewood | | unhealthy when you acquired your | | |
| Cedar Rapids | | policy, and your health has now | | |
| Overland Park | | improved, it might be time to shop for | | |
| Santa Monica | | a new policy, as your rates are likely | | |
| Greensboro | | to be lower. | | |
