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| Grand Rapids | | Individuals who have 30-year | | Adjustment Bureau: A firm organized |
| Bloomington | | mortgages might want to consider a | | to provide adjustment services to |
| Newark | | 30-year term to ensure that the house | | insurers not wishing to create their |
| Ann Arbor | | is protected throughout the period of | | own claims division. |
| Akron | | the loan. | | |
| Washington | | | | Flat Cancellation: A policy which is |
| Fresno | | People who are trying to quit | | cancelled upon its effective date. |
| Alpharetta | | smoking, for example, might be best | | Usually under a flat cancellation no |
| Albany | | suited purchasing a shorter term (and | | premium charge is made. |
| Rockford | | then replacing it with a longer term | | |
| Fort Lauderdale | | policy when they qualify for | | Buy-Back" Deductible: A deductible |
| Fort Worth | | non-tobacco prices). | | which may be eliminated for an |
| New York | | | | additional premium in order to |
| Hattiesburg | | Healthy people have the best | | provide "first-dollar" coverage. |
| Anderson | | mortality risks and thus are much | | |
| Pueblo | | cheaper for companies to insure. This | | Broker of Record: A broker who has |
| St. Joseph | | translates into lower rates for the | | been designated to handle certain |
| Philadelphia | | Super Preferred customer than | | insurance contracts for the |
| Charleston | | someone with higher risk factors such | | policyholder. |
| Flint | | as a heart condition, cancer or | | |
| Billings | | diabetes. Conversely, if you were | | Director of Insurance: A title used in |
| Las Cruces | | unhealthy when you acquired your | | some states for the head of the |
| Los Angeles | | policy, and your health has now | | department of insurance. |
| Sumter | | improved, it might be time to shop for | | |
| Los Angeles | | a new policy, as your rates are likely | | Accident: An unplanned event, |
| Lakewood | | to be lower. | | unexpected and undesigned, which |
| Baltimore | | | | occurs suddenly and at a definite |
| Palo Alto | | If you have noticed that your auto | | place. |
| Portsmouth | | insurance rates are still increasing | | |
| Council Bluffs | | with each renewal, or even have not | | Losses Incurred: The total losses, |
| Southfield | | gone down even though you have a | | whether paid or not, sustained by an |
| Fort Collins | | great driving record, this lower pricing | | insurer during a given period, e.g., 12 |
| Harrisburg | | trend makes it more important then | | months. |
| Canton | | ever that you shop around for auto | | |
| Bradenton | | insurance. | | |
