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| El Cajon | | Healthy people have the best | | Lloyd's Broker: A person who has the |
| Hendersonville | | mortality risks and thus are much | | authority to negotiate insurance |
| Louisville | | cheaper for companies to insure. This | | contracts with the underwriters on the |
| Edmond | | translates into lower rates for the | | floor at Lloyd's. |
| Vero Beach | | Super Preferred customer than | | |
| Akron | | someone with higher risk factors such | | Claim Expense: The expense of |
| North Hollywood | | as a heart condition, cancer or | | adjusting a claim, such as |
| Santa Clara | | diabetes. Conversely, if you were | | investigation and attorneys' fees. It |
| Escondido | | unhealthy when you acquired your | | does not include the cost of the claim |
| Duluth | | policy, and your health has now | | itself. |
| Topeka | | improved, it might be time to shop for | | |
| Bellevue | | a new policy, as your rates are likely | | First Party Insurance: Insurance which |
| Cleveland | | to be lower. | | applies to coverage for the insured's |
| Providence | | | | own property or person. Contrast with |
| Rochester | | Make sure you have a new policy in | | Third Party Insurance. |
| Sterling Heights | | place before you cancel your old one | | |
| Augusta | | to avoid a lapse in coverage. This will | | Independent Agent: An agent |
| Albany | | also prevent having to figure out the | | operating as an independent |
| Texarkana | | amount of any unused premium that is | | contractor under the independent |
| Fayetteville | | due to you from your old insurance | | agency system. |
| Corpus Christi | | company, or having to spar with your | | |
| Santa Monica | | agent about exactly when your policy | | Criticism: A correction suggested by a |
| Henderson | | was cancelled and how much they | | rating or auditing bureau to an insurer. |
| Lake Charles | | owe you. | | |
| Long Island City | | | | Liquidity: The ability of an insurer to |
| Gainesville | | Shopping around is the best way to | | convert its assets into cash to pay |
| Washington | | save money on your insurance. | | claims if necessary. |
