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| Bloomington | | Healthy people have the best | | Substandard Risk: A risk not |
| Huntsville | | mortality risks and thus are much | | measuring up to underwriting |
| Morristown | | cheaper for companies to insure. This | | standards. It may still be written but |
| Erie | | translates into lower rates for the | | usually at a surcharged premium. |
| Cypress | | Super Preferred customer than | | |
| Palm Harbor | | someone with higher risk factors such | | Equity: The money value of an |
| Irving | | as a heart condition, cancer or | | insurance company that is over and |
| Chesapeake | | diabetes. Conversely, if you were | | above its liabilities. Liabilities include |
| Jacksonville | | unhealthy when you acquired your | | almost all of its reserves. |
| Hot Springs | | policy, and your health has now | | |
| Fall River | | improved, it might be time to shop for | | Society of Insurance Research: An |
| Edmond | | a new policy, as your rates are likely | | organization which encourages |
| Roanoke | | to be lower. | | insurance research and promotes the |
| Topeka | | | | exchange of ideas and methods of |
| Hendersonville | | Shopping around is the best way to | | research. |
| Chesapeake | | save money on your insurance. | | |
| Jersey City | | | | Tabular Plan: A retrospective rating |
| Yuma | | Life insurance, specifically Term Life, | | plan, which uses tables to furnish the |
| San Diego | | is arguably one of the best values in | | various values for the rating formula. |
| Orange | | the entire financial services arena. | | |
| Lincoln | | Where else can you go and get | | Provisional Rate: Tentative rates, |
| Warren | | hundreds of thousands of dollars in | | premiums or commissions that are |
| Youngstown | | protection for literally pennies per | | subject to subsequent adjustment. |
| Vancouver | | day? Rates for Term Life insurance | | See Commission and Premium. |
| Downey | | remain at all-time lows, and now is the | | |
| Killeen | | time to lock in the best prices. | | Accident: An unplanned event, |
| St. Louis | | | | unexpected and undesigned, which |
| Yonkers | | If you have noticed that your auto | | occurs suddenly and at a definite |
| Bethlehem | | insurance rates are still increasing | | place. |
| Buffalo | | with each renewal, or even have not | | |
| Cape Coral | | gone down even though you have a | | Expense Allowance: A compensation |
| Dothan | | great driving record, this lower pricing | | paid to an insurance agent in excess |
| Melbourne | | trend makes it more important then | | of prescribed commissions. |
| Inglewood | | ever that you shop around for auto | | |
| Detroit | | insurance. | | |
