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| Boise | | People who are trying to quit | | Overlapping Insurance: Coverage |
| Frederick | | smoking, for example, might be best | | from two or more policies or insurers |
| Newburgh | | suited purchasing a shorter term (and | | which duplicates coverage of certain |
| Grand Rapids | | then replacing it with a longer term | | risks. |
| Southfield | | policy when they qualify for | | |
| Providence | | non-tobacco prices). | | Preferred Risk: Any risk considered |
| Eugene | | | | to be better than the standard risk on |
| Fresno | | If you have noticed that your auto | | which the premium rate was |
| Bakersfield | | insurance rates are still increasing | | calculated. |
| Muskegon | | with each renewal, or even have not | | |
| Brooklyn | | gone down even though you have a | | Premium Receipt: The receipt given |
| Santa Barbara | | great driving record, this lower pricing | | a policy owner for the payment of a |
| Bay City | | trend makes it more important then | | premium. |
| Akron | | ever that you shop around for auto | | |
| Bellevue | | insurance. | | Valuation Clause: A clause stating the |
| Los Angeles | | | | value of items for insurance |
| Bayside | | The best time to switch policies is | | purposes, making it a valued policy. |
| Vero Beach | | within one month of receiving your | | |
| Amarillo | | policy renewal from your current | | Partnership Entity: The partnership |
| Louisville | | insurer. You can typically cancel your | | considered as an entity and not in |
| Beaumont | | policy without any fees or penalties if | | terms of its individual part-owners. |
| Poughkeepsie | | you act within this time period. | | |
| Rapid City | | | | Authorized Insurer: An insurer |
| Tuscaloosa | | Life insurance, specifically Term Life, | | authorized by the state to transact |
| Vero Beach | | is arguably one of the best values in | | business in that state for specific |
| West Palm Beach | | the entire financial services arena. | | types of insurance. |
| Slidell | | Where else can you go and get | | |
| Colorado Springs | | hundreds of thousands of dollars in | | Director of Insurance: A title used in |
| St. Joseph | | protection for literally pennies per | | some states for the head of the |
| Sunnyvale | | day? Rates for Term Life insurance | | department of insurance. |
| Oklahoma City | | remain at all-time lows, and now is the | | |
| Stamford | | time to lock in the best prices. | | Shock Loss: A catastrophic loss so |
| Fort Smith | | | | large that it has a material effect on |
| York | | Make sure you have a new policy in | | the underwriting results of a company. |
| South Bend | | place before you cancel your old one | | |
| Shreveport | | to avoid a lapse in coverage. This will | | |
| Cedar Rapids | | also prevent having to figure out the | | |
| San Diego | | amount of any unused premium that is | | |
| Alexandria | | due to you from your old insurance | | |
| Killeen | | company, or having to spar with your | | |
| Naples | | agent about exactly when your policy | | |
| Indianapolis | | was cancelled and how much they | | |
| Akron | | owe you. | | |
