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| Palm Harbor | | People who are trying to quit | | Claim Expense: The expense of |
| Muskegon | | smoking, for example, might be best | | adjusting a claim, such as |
| Longview | | suited purchasing a shorter term (and | | investigation and attorneys' fees. It |
| Washington | | then replacing it with a longer term | | does not include the cost of the claim |
| Cambridge | | policy when they qualify for | | itself. |
| Southfield | | non-tobacco prices). | | |
| Poughkeepsie | | | | Will Ride: Coverage that remains in |
| Monroe | | If you have noticed that your auto | | effect regardless of the geographical |
| Santa Rosa | | insurance rates are still increasing | | location in which a loss occurs. |
| Boca Raton | | with each renewal, or even have not | | |
| Columbus | | gone down even though you have a | | Commission of Authority: A document |
| Midland | | great driving record, this lower pricing | | outlining the powers delegated to an |
| Tucson | | trend makes it more important then | | agent by an insurer. |
| Portsmouth | | ever that you shop around for auto | | |
| Columbus | | insurance. | | Tariff Rate: A rate established by a |
| Winter Park | | | | rating organization, which comes from |
| Clarksville | | Healthy people have the best | | the tables, schedules and rules found |
| Tulsa | | mortality risks and thus are much | | in the tariff of rates. |
| Southfield | | cheaper for companies to insure. This | | |
| Bethlehem | | translates into lower rates for the | | Cut Rate: This term generally applies |
| Kansas City | | Super Preferred customer than | | to insurance companies who charge |
| Huntington | | someone with higher risk factors such | | premiums below a normal or average |
| Oxnard | | as a heart condition, cancer or | | rate. |
| Garland | | diabetes. Conversely, if you were | | |
| Norwalk | | unhealthy when you acquired your | | Losses Incurred: The total losses, |
| Jackson | | policy, and your health has now | | whether paid or not, sustained by an |
| Lima | | improved, it might be time to shop for | | insurer during a given period, e.g., 12 |
| Daytona Beach | | a new policy, as your rates are likely | | months. |
| Lawrenceville | | to be lower. | | |
| Dallas | | | | Professional Insurance Agents |
| Huntington | | Life insurance, specifically Term Life, | | Association: A trade association of |
| Augusta | | is arguably one of the best values in | | mutual insurance agents. |
| Santa Barbara | | the entire financial services arena. | | |
| Johnstown | | Where else can you go and get | | Business: In Property, Liability, and |
| Olympia | | hundreds of thousands of dollars in | | Health lines, it usually refers to the |
| New York | | protection for literally pennies per | | volume of premiums. |
| Orlando | | day? Rates for Term Life insurance | | |
| Odessa | | remain at all-time lows, and now is the | | |
| Baton Rouge | | time to lock in the best prices. | | |
