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| Kansas City | | The quickest and easiest way to | | Cash Flow Underwriting: The use of |
| Melbourne | | shop for new insurance is by | | rating and premium collection |
| Sioux Falls | | comparing rates at InsWebs online | | techniques by insurance companies |
| Grand Junction | | marketplace. If you do it the | | to maximize interest earnings on |
| Decatur | | old-fashioned way (by calling or | | premiums. |
| Boise | | visiting multiple agents or insurance | | |
| Owensboro | | companies) it could take up a huge | | Policy Anniversary: The anniversary |
| Springfield | | chunk of your time, which no one | | of the date of issue of a policy as |
| Olympia | | wants or needs. By completing | | shown in the policy declarations. |
| Westbury | | InsWebs online application, you will | | |
| Huntington | | have rates to compare to your old | | Cut Rate: This term generally applies |
| New York | | ones within minutes! | | to insurance companies who charge |
| Columbus | | | | premiums below a normal or average |
| Youngstown | | Healthy people have the best | | rate. |
| Phoenix | | mortality risks and thus are much | | |
| New Port Richey | | cheaper for companies to insure. This | | Absolute Assignment: Assignment by |
| New York | | translates into lower rates for the | | a policy owner of all control of and |
| Pembroke Pines | | Super Preferred customer than | | rights in the policy to a third party. |
| Santa Ana | | someone with higher risk factors such | | |
| Bloomington | | as a heart condition, cancer or | | Adjustment Bureau: A firm organized |
| Boynton Beach | | diabetes. Conversely, if you were | | to provide adjustment services to |
| Racine | | unhealthy when you acquired your | | insurers not wishing to create their |
| Gainesville | | policy, and your health has now | | own claims division. |
| Lincoln | | improved, it might be time to shop for | | |
| Flushing | | a new policy, as your rates are likely | | Countersignature: The signature of a |
| Elkhart | | to be lower. | | licensed agent or representative on a |
| Joliet | | | | policy. |
| Gainesville | | Make sure you have a new policy in | | |
| Rome | | place before you cancel your old one | | Borderline Risk: An insurance |
| Albany | | to avoid a lapse in coverage. This will | | prospect of doubtful quality from an |
| Cleveland | | also prevent having to figure out the | | underwriting point of view. |
| Denton | | amount of any unused premium that is | | |
| Long Beach | | due to you from your old insurance | | Other Insurance: The existence of |
| Anchorage | | company, or having to spar with your | | other contracts covering the same |
| Corona | | agent about exactly when your policy | | interest and perils. |
| Albuquerque | | was cancelled and how much they | | |
| Waco | | owe you. | | |
