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| Madison | | While some companies raise their | | Claim Expense: The expense of |
| Lincoln | | prices based on your actual age, | | adjusting a claim, such as |
| Tampa | | most companies increase the price of | | investigation and attorneys' fees. It |
| Johnstown | | their policies six months before your | | does not include the cost of the claim |
| Newport Beach | | birthday. Its a term called Age | | itself. |
| Vineland | | Nearest in the industry, and that | | |
| Long Island City | | half-year price increase could really | | Amendment: A formal document |
| Corona | | add up over a 20-year term policy. As | | which corrects or revises an |
| Silver Spring | | above, the quicker you purchase your | | insurance master policy. |
| Torrance | | policy the better. | | |
| Fort Collins | | | | Preferred Risk: Any risk considered |
| Kingsport | | People who are trying to quit | | to be better than the standard risk on |
| Conroe | | smoking, for example, might be best | | which the premium rate was |
| Rockville | | suited purchasing a shorter term (and | | calculated. |
| Wilmington | | then replacing it with a longer term | | |
| Omaha | | policy when they qualify for | | Partnership Entity: The partnership |
| Coral Springs | | non-tobacco prices). | | considered as an entity and not in |
| Denton | | | | terms of its individual part-owners. |
| Fresno | | Individuals who have 30-year | | |
| Columbia | | mortgages might want to consider a | | Notice To Company: Written notice to |
| Mobile | | 30-year term to ensure that the house | | an insurer of the occurrence of an |
| Morristown | | is protected throughout the period of | | event which a claim is to be based. |
| Lawrenceville | | the loan. | | |
| Troy | | | | Legislative Risk: A risk faced by |
| Henderson | | Why not take advantage of current | | investors whereby changes in tax |
| St. Paul | | low prices? Many auto insurance | | laws can result in adverse effects on |
| Kingsport | | consumers are becoming educated | | the individual's investment results. |
| Walnut Creek | | on other companies, plans, and rates | | |
| San Antonio | | that are available to them; ones that | | Underwriters Laboratories, Inc. (UL): A |
| Marietta | | could afford them significant savings | | testing laboratory for manufactured |
| Nashville | | on their auto insurance. | | items to determine their safety |
| Stuart | | | | propensities. |
| Houma | | The quickest and easiest way to | | |
| Nashville | | shop for new insurance is by | | Captive Agent: One who sells |
| Daytona Beach | | comparing rates at InsWebs online | | insurance for only one company as |
| Waterloo | | marketplace. If you do it the | | opposed to an agent who represents |
| Tulsa | | old-fashioned way (by calling or | | several companies. |
| Decatur | | visiting multiple agents or insurance | | |
| Austin | | companies) it could take up a huge | | |
| Providence | | chunk of your time, which no one | | |
| Naples | | wants or needs. By completing | | |
| Jackson | | InsWebs online application, you will | | |
| Longwood | | have rates to compare to your old | | |
| Newburgh | | ones within minutes! | | |
