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| Manchester | | People who are trying to quit | | Criticism: A correction suggested by a |
| Nashua | | smoking, for example, might be best | | rating or auditing bureau to an insurer. |
| Muskegon | | suited purchasing a shorter term (and | | |
| Ocala | | then replacing it with a longer term | | Net Retention: The amount of |
| Amarillo | | policy when they qualify for | | insurance that a ceding company |
| Albany | | non-tobacco prices). | | keeps for its own account and does |
| Hot Springs | | | | not reinsure. |
| Southfield | | If you have noticed that your auto | | |
| Harlingen | | insurance rates are still increasing | | Fictitious Groups: Groups formed |
| Rochester | | with each renewal, or even have not | | primarily for the purpose of buying |
| Santa Rosa | | gone down even though you have a | | insurance. Under the law such groups |
| Evanston | | great driving record, this lower pricing | | may not be underwritten. |
| Johnson City | | trend makes it more important then | | |
| Whittier | | ever that you shop around for auto | | Fiduciary: A person holding the funds |
| Grand Rapids | | insurance. | | or property of another in a position of |
| Modesto | | | | trust. An example would be the |
| Downey | | Everyone has different needs, and | | executor of an estate. |
| Pueblo | | not one size fits all when it comes to | | |
| St. Paul | | term life insurance. While it may make | | Provisional Rate: Tentative rates, |
| Jacksonville | | sense for people in their 30s and 40s | | premiums or commissions that are |
| Fremont | | to secure a 20-year term length, a | | subject to subsequent adjustment. |
| Augusta | | 10-year term might be more | | See Commission and Premium. |
| San Antonio | | appropriate for someone nearing | | |
| Long Beach | | retirement. | | Authorized Insurer: An insurer |
| Amarillo | | | | authorized by the state to transact |
| Spring Hill | | The best time to switch policies is | | business in that state for specific |
| Bradenton | | within one month of receiving your | | types of insurance. |
| Jasper | | policy renewal from your current | | |
| Newburgh | | insurer. You can typically cancel your | | Deficit Carried Forward: The transfer |
| Zanesville | | policy without any fees or penalties if | | of a debit balance from one |
| Mobile | | you act within this time period. | | accounting period to another. |