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| Frederick | | Healthy people have the best | | Accident Year Experience: Measures |
| Kansas City | | mortality risks and thus are much | | premiums and losses relating to |
| Naperville | | cheaper for companies to insure. This | | accidents which occurred during a |
| Pueblo | | translates into lower rates for the | | 12-month period. |
| Corpus Christi | | Super Preferred customer than | | |
| Union | | someone with higher risk factors such | | Initial Premium: An amount paid at the |
| Ogden | | as a heart condition, cancer or | | inception of an insurance contract, |
| Huntington Beach | | diabetes. Conversely, if you were | | usually subject to adjustment at the |
| Norfolk | | unhealthy when you acquired your | | end of the policy period. |
| Albuquerque | | policy, and your health has now | | |
| Sioux Falls | | improved, it might be time to shop for | | Collusion: An agreement, usually |
| Slidell | | a new policy, as your rates are likely | | secret, between two or more persons |
| Westbury | | to be lower. | | to defraud or deprive another or |
| Salt Lake City | | | | others of their property or rights. |
| Vero Beach | | We offer quotes for auto insurance, | | |
| Pensacola | | life insurance, homeowners | | You/Your: These words are used to |
| Gainesville | | insurance, health insurance, term life | | refer to the named insured in many of |
| Grand Junction | | insurance and more. | | the modernized/personalized policy |
| Hampton | | | | forms. |
| Arlington | | Make sure you have a new policy in | | |
| Warwick | | place before you cancel your old one | | Capital Sum: The maximum lump sum |
| Troy | | to avoid a lapse in coverage. This will | | payable in the event of accidental |
| Slidell | | also prevent having to figure out the | | death or dismemberment. |
| Lansing | | amount of any unused premium that is | | |
| Tempe | | due to you from your old insurance | | Authorized Insurer: An insurer |
| Chattanooga | | company, or having to spar with your | | authorized by the state to transact |
| Lowell | | agent about exactly when your policy | | business in that state for specific |
| Anderson | | was cancelled and how much they | | types of insurance. |
| Irving | | owe you. | | |
| Lake Worth | | | | Fictitious Groups: Groups formed |
| Harlingen | | Individuals who have 30-year | | primarily for the purpose of buying |
| Poughkeepsie | | mortgages might want to consider a | | insurance. Under the law such groups |
| Decatur | | 30-year term to ensure that the house | | may not be underwritten. |
| Reno | | is protected throughout the period of | | |
| Fredericksburg | | the loan. | | |
