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| Cherry Hill | | Healthy people have the best | | Gross Line: The total limit accepted |
| Jackson | | mortality risks and thus are much | | by an insurer on an individual risk, |
| San Diego | | cheaper for companies to insure. This | | including the amount to be reinsured. |
| Rochester | | translates into lower rates for the | | |
| Naples | | Super Preferred customer than | | Policywriting Agent: An agent who has |
| York | | someone with higher risk factors such | | the authority to prepare and effect an |
| Venice | | as a heart condition, cancer or | | insurer's policy. |
| Chesapeake | | diabetes. Conversely, if you were | | |
| Raleigh | | unhealthy when you acquired your | | Incurred Expense: Expenses not yet |
| Canton | | policy, and your health has now | | paid. Can also include paid |
| Springfield | | improved, it might be time to shop for | | expenses in some accounting |
| Colorado Springs | | a new policy, as your rates are likely | | systems. |
| Henderson | | to be lower. | | |
| Escondido | | | | Commingling: An illegal practice |
| Boulder | | Why not take advantage of current | | which occurs when an agent mixes |
| Dallas | | low prices? Many auto insurance | | personal funds with the insured's or |
| Grand Prairie | | consumers are becoming educated | | insurer's funds. |
| Lakewood | | on other companies, plans, and rates | | |
| Ogden | | that are available to them; ones that | | Dual Life Stock Company: A stock |
| West Palm Beach | | could afford them significant savings | | Life insurer issuing both participating |
| Baton Rouge | | on their auto insurance. | | and nonparticipating policy contracts. |
