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| Lafayette | | We offer quotes for auto insurance, | | Sole Proprietorship: A business |
| Lubbock | | life insurance, homeowners | | enterprise owned by one person who |
| Brooklyn | | insurance, health insurance, term life | | is its manager and employee. |
| Modesto | | insurance and more. | | |
| Baton Rouge | | | | Policy Anniversary: The anniversary |
| Slidell | | If you have noticed that your auto | | of the date of issue of a policy as |
| Winter Park | | insurance rates are still increasing | | shown in the policy declarations. |
| Dubuque | | with each renewal, or even have not | | |
| Hollywood | | gone down even though you have a | | Net Retention: The amount of |
| Fort Myers | | great driving record, this lower pricing | | insurance that a ceding company |
| Bay City | | trend makes it more important then | | keeps for its own account and does |
| Alpharetta | | ever that you shop around for auto | | not reinsure. |
| Birmingham | | insurance. | | |
| San Bernardino | | | | Legislative Risk: A risk faced by |
| Augusta | | People who are trying to quit | | investors whereby changes in tax |
| Madison | | smoking, for example, might be best | | laws can result in adverse effects on |
| Chandler | | suited purchasing a shorter term (and | | the individual's investment results. |
| Kalamazoo | | then replacing it with a longer term | | |
| Modesto | | policy when they qualify for | | Losses Incurred: The total losses, |
| Raleigh | | non-tobacco prices). | | whether paid or not, sustained by an |
| Sunnyvale | | | | insurer during a given period, e.g., 12 |
| Tallahassee | | Make sure you have a new policy in | | months. |
| Springfield | | place before you cancel your old one | | |
| Los Angeles | | to avoid a lapse in coverage. This will | | Commission of Authority: A document |
| Metairie | | also prevent having to figure out the | | outlining the powers delegated to an |
| Raleigh | | amount of any unused premium that is | | agent by an insurer. |
| Davenport | | due to you from your old insurance | | |
| Metairie | | company, or having to spar with your | | Brokerage Business: Business |
| Oxnard | | agent about exactly when your policy | | offered to an insurer by a broker. This |
| New Orleans | | was cancelled and how much they | | is sometimes called excess or |
| Troy | | owe you. | | surplus business. |
