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| New Port Richey | | While some companies raise their | | Malicious Mischief: Similar to |
| Allentown | | prices based on your actual age, | | vandalism. Purposely damaging the |
| Davenport | | most companies increase the price of | | rights or property of another. |
| Bay City | | their policies six months before your | | |
| Orange | | birthday. Its a term called Age | | Brick Veneer Construction: Refers to |
| Long Island City | | Nearest in the industry, and that | | a building where the outside walls are |
| Ocala | | half-year price increase could really | | constructed of wood with a facing of a |
| Biloxi | | add up over a 20-year term policy. As | | single layer of brick. |
| Grand Junction | | above, the quicker you purchase your | | |
| Albuquerque | | policy the better. | | Agent's Qualification Law: Education, |
| Sunnyvale | | | | experience, and other requirements |
| Woodbridge | | The best time to switch policies is | | imposed by the state upon persons |
| El Cajon | | within one month of receiving your | | desiring to be licensed as agents. |
| Lafayette | | policy renewal from your current | | |
| Fayetteville | | insurer. You can typically cancel your | | Provisions: Statements contained in |
| Greenville | | policy without any fees or penalties if | | an insurance policy which explain the |
| New York | | you act within this time period. | | benefits, conditions and other |
| Owensboro | | | | features of the insurance contract. |
| Jackson | | People who are trying to quit | | |
| Englewood | | smoking, for example, might be best | | Fiduciary: A person holding the funds |
| Warren | | suited purchasing a shorter term (and | | or property of another in a position of |
| Waterloo | | then replacing it with a longer term | | trust. An example would be the |
| Zanesville | | policy when they qualify for | | executor of an estate. |
| Hendersonville | | non-tobacco prices). | | |
| Worcester | | | | Cash Flow Underwriting: The use of |
| Reading | | Healthy people have the best | | rating and premium collection |
| Arlington | | mortality risks and thus are much | | techniques by insurance companies |
| Kansas City | | cheaper for companies to insure. This | | to maximize interest earnings on |
| Scranton | | translates into lower rates for the | | premiums. |
| Santa Rosa | | Super Preferred customer than | | |
| Gulfport | | someone with higher risk factors such | | Loss Adjustment Expense: The cost |
| Independence | | as a heart condition, cancer or | | of adjusting losses, excluding the |
| Jackson | | diabetes. Conversely, if you were | | amount of the loss itself. |
| Palm Harbor | | unhealthy when you acquired your | | |
| Beaumont | | policy, and your health has now | | |
| Lawrenceville | | improved, it might be time to shop for | | |
| Peoria | | a new policy, as your rates are likely | | |
| Ventura | | to be lower. | | |
