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| Coral Springs | | Healthy people have the best | | Lloyd's Broker: A person who has the |
| Ogden | | mortality risks and thus are much | | authority to negotiate insurance |
| El Paso | | cheaper for companies to insure. This | | contracts with the underwriters on the |
| Orange | | translates into lower rates for the | | floor at Lloyd's. |
| Kalamazoo | | Super Preferred customer than | | |
| Glendale | | someone with higher risk factors such | | Other Insurance: The existence of |
| Modesto | | as a heart condition, cancer or | | other contracts covering the same |
| Spring Hill | | diabetes. Conversely, if you were | | interest and perils. |
| Hampton | | unhealthy when you acquired your | | |
| Toledo | | policy, and your health has now | | Loss Adjustment Expense: The cost |
| Syracuse | | improved, it might be time to shop for | | of adjusting losses, excluding the |
| Houma | | a new policy, as your rates are likely | | amount of the loss itself. |
| Rapid City | | to be lower. | | |
| Palo Alto | | | | Preferred Risk: Any risk considered |
| Allentown | | Individuals who have 30-year | | to be better than the standard risk on |
| Racine | | mortgages might want to consider a | | which the premium rate was |
| Scranton | | 30-year term to ensure that the house | | calculated. |
| Salt Lake City | | is protected throughout the period of | | |
| Duluth | | the loan. | | Insurance to Value: Insurance written |
| Williamsport | | | | in an amount approximating the value |
| Valdosta | | The quickest and easiest way to | | of the property insured. |
| Mesquite | | shop for new insurance is by | | |
| Glendale | | comparing rates at InsWebs online | | Federal Deposit Insurance |
| Longview | | marketplace. If you do it the | | Corporation (FDIC): An agency of the |
| Toms River | | old-fashioned way (by calling or | | federal government which insures |
| Youngstown | | visiting multiple agents or insurance | | bank deposits up to a stated |
| Long Beach | | companies) it could take up a huge | | maximum. |
| Cambridge | | chunk of your time, which no one | | |
| Durham | | wants or needs. By completing | | Expense Allowance: A compensation |
| Hollywood | | InsWebs online application, you will | | paid to an insurance agent in excess |
| Palm Harbor | | have rates to compare to your old | | of prescribed commissions. |
| Jacksonville | | ones within minutes! | | |
| Memphis | | | | Nonadmitted Insurer: An insurer not |
| Abilene | | While some companies raise their | | licensed to do business in the |
| Anderson | | prices based on your actual age, | | jurisdiction in question. Same as |
| Goldsboro | | most companies increase the price of | | Unauthorized Insurer and Unlicensed |
| Alameda | | their policies six months before your | | Insurer. |
| Goldsboro | | birthday. Its a term called Age | | |
| Lakewood | | Nearest in the industry, and that | | |
| Carlsbad | | half-year price increase could really | | |
| Fort Lauderdale | | add up over a 20-year term policy. As | | |
| Cincinnati | | above, the quicker you purchase your | | |
| Waterloo | | policy the better. | | |
