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| Birmingham | | Make sure you have a new policy in | | Business: In Property, Liability, and |
| Long Beach | | place before you cancel your old one | | Health lines, it usually refers to the |
| Torrance | | to avoid a lapse in coverage. This will | | volume of premiums. |
| Bloomington | | also prevent having to figure out the | | |
| Sarasota | | amount of any unused premium that is | | FICA. Federal Insurance Contributions |
| Plano | | due to you from your old insurance | | Act: A law imposing a payroll tax to |
| Durham | | company, or having to spar with your | | assist in funding Social Security |
| Fort Collins | | agent about exactly when your policy | | benefits. |
| Evansville | | was cancelled and how much they | | |
| Cincinnati | | owe you. | | You/Your: These words are used to |
| Saginaw | | | | refer to the named insured in many of |
| Spring Hill | | While some companies raise their | | the modernized/personalized policy |
| Ventura | | prices based on your actual age, | | forms. |
| Fairfax | | most companies increase the price of | | |
| Stockton | | their policies six months before your | | Agency: An insurance sales office |
| Columbus | | birthday. Its a term called Age | | which is directed by a agent, |
| Delray Beach | | Nearest in the industry, and that | | manager, independent agent, or |
| Jacksonville | | half-year price increase could really | | company manager. |
| Kalamazoo | | add up over a 20-year term policy. As | | |
| New Port Richey | | above, the quicker you purchase your | | Borderline Risk: An insurance |
| Englewood | | policy the better. | | prospect of doubtful quality from an |
| Bethlehem | | | | underwriting point of view. |
| Salem | | People who are trying to quit | | |
| Boulder | | smoking, for example, might be best | | Inspection: Independent checking on |
| Albany | | suited purchasing a shorter term (and | | facts about an applicant, |
| Livonia | | then replacing it with a longer term | | policyholder, or claimant, usually by a |
| Akron | | policy when they qualify for | | commercial inspection agency. |
| Gainesville | | non-tobacco prices). | | |
| Long Island City | | | | War Risk Insurance: Insurance |
| West Chester | | Individuals who have 30-year | | covering damage caused by war. |
| Denver | | mortgages might want to consider a | | Most often written by Ocean Marine |
| Newark | | 30-year term to ensure that the house | | Insurance companies covering |
| Chula Vista | | is protected throughout the period of | | vessels. |
| Miami | | the loan. | | |
