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| Warren | | Shopping around is the best way to | | Not Taken: Policies applied for and |
| Columbus | | save money on your insurance. | | issued but rejected by the proposed |
| Stuart | | | | owner and not paid for. |
| Des Moines | | Individuals who have 30-year | | |
| Sunnyvale | | mortgages might want to consider a | | Dual Life Stock Company: A stock |
| Chesapeake | | 30-year term to ensure that the house | | Life insurer issuing both participating |
| Santa Ana | | is protected throughout the period of | | and nonparticipating policy contracts. |
| Plano | | the loan. | | |
| Grand Rapids | | | | Exclusions: Specific situations, |
| St. Joseph | | Healthy people have the best | | conditions, or circumstances that are |
| Midland | | mortality risks and thus are much | | listed in the contract as being not |
| Poughkeepsie | | cheaper for companies to insure. This | | covered. |
| Sioux City | | translates into lower rates for the | | |
| Sarasota | | Super Preferred customer than | | Underinsurance: A condition in which |
| Slidell | | someone with higher risk factors such | | not enough insurance is carried to |
| Detroit | | as a heart condition, cancer or | | cover the insurable value. |
| Lafayette | | diabetes. Conversely, if you were | | |
| Stuart | | unhealthy when you acquired your | | Preferred Risk: Any risk considered |
| Oklahoma City | | policy, and your health has now | | to be better than the standard risk on |
| Florissant | | improved, it might be time to shop for | | which the premium rate was |
| Alameda | | a new policy, as your rates are likely | | calculated. |
| Fort Worth | | to be lower. | | |
| Midland | | | | Partnership Entity: The partnership |
| Silver Spring | | Make sure you have a new policy in | | considered as an entity and not in |
| Southfield | | place before you cancel your old one | | terms of its individual part-owners. |
| Spartanburg | | to avoid a lapse in coverage. This will | | |
| Carlsbad | | also prevent having to figure out the | | Brokerage Department: A department |
| York | | amount of any unused premium that is | | of an insurer whose purpose is to |
| Saginaw | | due to you from your old insurance | | deal with brokers in the placing of |
| Oklahoma City | | company, or having to spar with your | | insurance. |
| Tucson | | agent about exactly when your policy | | |
| Florissant | | was cancelled and how much they | | Coding: A method of putting |
| Fort Wayne | | owe you. | | information into a numerical form for |
| Minneapolis | | | | statistical use. Most information on |
| Longview | | | | policies is coded and then put into |
| Anderson | | | | reports. |
