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| Burbank | | Make sure you have a new policy in | | Mutualization: The process of |
| Stuart | | place before you cancel your old one | | converting a stock insurer to a mutual |
| Frederick | | to avoid a lapse in coverage. This will | | insurer, accomplished by having the |
| Odessa | | also prevent having to figure out the | | insurer buy stock and retire it. |
| Long Beach | | amount of any unused premium that is | | |
| Hot Springs | | due to you from your old insurance | | Retail Credit Company: The former |
| Baton Rouge | | company, or having to spar with your | | name of Equifax, a credit reporting |
| Wilmington | | agent about exactly when your policy | | organization. See Equifax. |
| Newark | | was cancelled and how much they | | |
| Toms River | | owe you. | | Indemnity: Restoration to the victim of |
| Flint | | | | a loss by payment, repair, or |
| Fullerton | | While some companies raise their | | replacement. |
| Portland | | prices based on your actual age, | | |
| Bethlehem | | most companies increase the price of | | Mandatory Valuation Reserve: A |
| Mountain View | | their policies six months before your | | reserve required by a state law to |
| Rockville | | birthday. Its a term called Age | | offset any declines in the valuation of |
| Muncie | | Nearest in the industry, and that | | securities listed as admitted assets. |
| Arlington | | half-year price increase could really | | |
| Ogden | | add up over a 20-year term policy. As | | Insolvent Insurer: An insurer which is |
| Jacksonville | | above, the quicker you purchase your | | unable to meet its financial |
| Sunnyvale | | policy the better. | | obligations. |
