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| Thousand Oaks | | Make sure you have a new policy in | | Preferred Risk: Any risk considered |
| Englewood | | place before you cancel your old one | | to be better than the standard risk on |
| Lawton | | to avoid a lapse in coverage. This will | | which the premium rate was |
| Lansing | | also prevent having to figure out the | | calculated. |
| Hickory | | amount of any unused premium that is | | |
| Lawrenceville | | due to you from your old insurance | | Fictitious Groups: Groups formed |
| Slidell | | company, or having to spar with your | | primarily for the purpose of buying |
| Reading | | agent about exactly when your policy | | insurance. Under the law such groups |
| Alpharetta | | was cancelled and how much they | | may not be underwritten. |
| Wilmington | | owe you. | | |
| Ann Arbor | | | | Absolute Assignment: Assignment by |
| Dayton | | Healthy people have the best | | a policy owner of all control of and |
| Sunnyvale | | mortality risks and thus are much | | rights in the policy to a third party. |
| Richmond | | cheaper for companies to insure. This | | |
| Hickory | | translates into lower rates for the | | Gross Line: The total limit accepted |
| Daytona Beach | | Super Preferred customer than | | by an insurer on an individual risk, |
| San Diego | | someone with higher risk factors such | | including the amount to be reinsured. |
| Cambridge | | as a heart condition, cancer or | | |
| High Point | | diabetes. Conversely, if you were | | Deficit Carried Forward: The transfer |
| Wilmington | | unhealthy when you acquired your | | of a debit balance from one |
| Gainesville | | policy, and your health has now | | accounting period to another. |
| Brooklyn | | improved, it might be time to shop for | | |
| Memphis | | a new policy, as your rates are likely | | New For Old: Replacing old |
| Olympia | | to be lower. | | damaged parts or equipment with |
| Fort Worth | | | | new ones rather than repairing them. |
| Allentown | | We offer quotes for auto insurance, | | |
| Rockford | | life insurance, homeowners | | Policy Period (or Term): The period |
| Williamsburg | | insurance, health insurance, term life | | during which the policy contract |
| Newark | | insurance and more. | | affords protection, e.g., six months or |
| Conroe | | | | one or three years. |
| Ogden | | The quickest and easiest way to | | |
| Yonkers | | shop for new insurance is by | | Valued: Relating to an agreement by |
| Milwaukee | | comparing rates at InsWebs online | | an insurer to pay a specified amount |
| West Chester | | marketplace. If you do it the | | of money to or on behalf of the |
| Huntington | | old-fashioned way (by calling or | | insured upon occurrence of a defined |
| Scottsdale | | visiting multiple agents or insurance | | loss. |
| Green Bay | | companies) it could take up a huge | | |
| Torrance | | chunk of your time, which no one | | |
| Winter Park | | wants or needs. By completing | | |
| Gainesville | | InsWebs online application, you will | | |
| Alameda | | have rates to compare to your old | | |
| Biloxi | | ones within minutes! | | |
