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| Des Moines | | Healthy people have the best | | Policywriting Agent: An agent who has |
| Irvine | | mortality risks and thus are much | | the authority to prepare and effect an |
| Grand Rapids | | cheaper for companies to insure. This | | insurer's policy. |
| Chicago | | translates into lower rates for the | | |
| Little Rock | | Super Preferred customer than | | Substandard Risk: A risk not |
| Dayton | | someone with higher risk factors such | | measuring up to underwriting |
| Independence | | as a heart condition, cancer or | | standards. It may still be written but |
| Greensboro | | diabetes. Conversely, if you were | | usually at a surcharged premium. |
| Bloomington | | unhealthy when you acquired your | | |
| Orange | | policy, and your health has now | | Notice To Company: Written notice to |
| Anderson | | improved, it might be time to shop for | | an insurer of the occurrence of an |
| Portland | | a new policy, as your rates are likely | | event which a claim is to be based. |
| Springfield | | to be lower. | | |
| Las Cruces | | | | Borderline Risk: An insurance |
| Hattiesburg | | If you have noticed that your auto | | prospect of doubtful quality from an |
| Pittsburgh | | insurance rates are still increasing | | underwriting point of view. |
| New York | | with each renewal, or even have not | | |
| Acworth | | gone down even though you have a | | Brokerage Department: A department |
| Worcester | | great driving record, this lower pricing | | of an insurer whose purpose is to |
| Thousand Oaks | | trend makes it more important then | | deal with brokers in the placing of |
| Lafayette | | ever that you shop around for auto | | insurance. |
| Torrance | | insurance. | | |
| Cincinnati | | | | Liabilities: Money owed or expected |
| Duluth | | Make sure you have a new policy in | | to be owed. Insurance company |
| Myrtle Beach | | place before you cancel your old one | | financial statements, for instance, |
| Glendale | | to avoid a lapse in coverage. This will | | show assets and liabilities. |
| Kingsport | | also prevent having to figure out the | | |
| Quincy | | amount of any unused premium that is | | Underinsurance: A condition in which |
| Torrance | | due to you from your old insurance | | not enough insurance is carried to |
| Dothan | | company, or having to spar with your | | cover the insurable value. |
| Houma | | agent about exactly when your policy | | |
| Bronx | | was cancelled and how much they | | Exclusions: Specific situations, |
| Corpus Christi | | owe you. | | conditions, or circumstances that are |
| Saginaw | | | | listed in the contract as being not |
| Fort Worth | | | | covered. |
