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| Amarillo | | Why not take advantage of current | | FICA. Federal Insurance Contributions |
| Schaumburg | | low prices? Many auto insurance | | Act: A law imposing a payroll tax to |
| Thousand Oaks | | consumers are becoming educated | | assist in funding Social Security |
| Tuscaloosa | | on other companies, plans, and rates | | benefits. |
| Waterloo | | that are available to them; ones that | | |
| Tallahassee | | could afford them significant savings | | Policy Anniversary: The anniversary |
| Boise | | on their auto insurance. | | of the date of issue of a policy as |
| Kingsport | | | | shown in the policy declarations. |
| Lake Charles | | Individuals who have 30-year | | |
| Cape Coral | | mortgages might want to consider a | | Cash Flow Underwriting: The use of |
| Lawton | | 30-year term to ensure that the house | | rating and premium collection |
| Jasper | | is protected throughout the period of | | techniques by insurance companies |
| Madison | | the loan. | | to maximize interest earnings on |
| Bay City | | | | premiums. |
| Billings | | While some companies raise their | | |
| Stockton | | prices based on your actual age, | | Producer: A term applied to an agent, |
| Anaheim | | most companies increase the price of | | solicitor or other person who sells |
| Duluth | | their policies six months before your | | insurance. |
| Cincinnati | | birthday. Its a term called Age | | |
| Belleville | | Nearest in the industry, and that | | Inspection: Independent checking on |
| Jackson | | half-year price increase could really | | facts about an applicant, |
| Muskegon | | add up over a 20-year term policy. As | | policyholder, or claimant, usually by a |
| Cranston | | above, the quicker you purchase your | | commercial inspection agency. |
| Denver | | policy the better. | | |
| Clearwater | | | | Nonassignable: A policy that the |
| Hot Springs | | Healthy people have the best | | owner cannot assign to a third party. |
| Wilmington | | mortality risks and thus are much | | Most policies are nonassignable |
| Texarkana | | cheaper for companies to insure. This | | unless approval is given by the |
| Monroe | | translates into lower rates for the | | insurer. |
| Gainesville | | Super Preferred customer than | | |
| Dubuque | | someone with higher risk factors such | | Leasehold: An agreement which |
| Boise | | as a heart condition, cancer or | | gives a person the right to use and |
| Albany | | diabetes. Conversely, if you were | | occupy property. |
| Dayton | | unhealthy when you acquired your | | |
| Evanston | | policy, and your health has now | | |
| Sunnyvale | | improved, it might be time to shop for | | |
| Boca Raton | | a new policy, as your rates are likely | | |
| Wilmington | | to be lower. | | |
