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| Fayetteville | | While some companies raise their | | Accident: An unplanned event, |
| Turlock | | prices based on your actual age, | | unexpected and undesigned, which |
| Lansing | | most companies increase the price of | | occurs suddenly and at a definite |
| Albany | | their policies six months before your | | place. |
| Escondido | | birthday. Its a term called Age | | |
| Scranton | | Nearest in the industry, and that | | Broker-Agent: One acting as an agent |
| Silver Spring | | half-year price increase could really | | of one or more insurers and as a |
| Fayetteville | | add up over a 20-year term policy. As | | broker in dealing with one or more |
| Rome | | above, the quicker you purchase your | | other insurers. |
| Garland | | policy the better. | | |
| Newburgh | | | | Commercial Lines: This term is used |
| Houma | | Healthy people have the best | | to refer to insurance for businesses, |
| Williamsburg | | mortality risks and thus are much | | professionals, and commercial |
| Hartford | | cheaper for companies to insure. This | | establishments. |
| Hemet | | translates into lower rates for the | | |
| Owensboro | | Super Preferred customer than | | Valuation Clause: A clause stating the |
| Ventura | | someone with higher risk factors such | | value of items for insurance |
| Cherry Hill | | as a heart condition, cancer or | | purposes, making it a valued policy. |
| Fort Wayne | | diabetes. Conversely, if you were | | |
| Grand Junction | | unhealthy when you acquired your | | Not Taken: Policies applied for and |
| Cherry Hill | | policy, and your health has now | | issued but rejected by the proposed |
| Gulfport | | improved, it might be time to shop for | | owner and not paid for. |
| Rochester | | a new policy, as your rates are likely | | |
| Newburgh | | to be lower. | | Provisions: Statements contained in |
| Norwalk | | | | an insurance policy which explain the |
| Frederick | | Individuals who have 30-year | | benefits, conditions and other |
| New York | | mortgages might want to consider a | | features of the insurance contract. |
| Newport News | | 30-year term to ensure that the house | | |
| Evansville | | is protected throughout the period of | | Premium Receipt: The receipt given |
| Johnson City | | the loan. | | a policy owner for the payment of a |
| Bethlehem | | | | premium. |
| Las Cruces | | Make sure you have a new policy in | | |
| Flushing | | place before you cancel your old one | | Losses Outstanding: A summary |
| Oceanside | | to avoid a lapse in coverage. This will | | statement prepared by Property, Life, |
| Flushing | | also prevent having to figure out the | | and Liability insurers showing claims |
| San Diego | | amount of any unused premium that is | | not yet settled. |
| Tallahassee | | due to you from your old insurance | | |
| Cape Coral | | company, or having to spar with your | | |
| Hemet | | agent about exactly when your policy | | |
| Yonkers | | was cancelled and how much they | | |
| Manchester | | owe you. | | |
