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| Lakewood | | We offer quotes for auto insurance, | | Dual Life Stock Company: A stock |
| Dothan | | life insurance, homeowners | | Life insurer issuing both participating |
| Buffalo | | insurance, health insurance, term life | | and nonparticipating policy contracts. |
| Henderson | | insurance and more. | | |
| Milwaukee | | | | Broker of Record: A broker who has |
| Turlock | | People who are trying to quit | | been designated to handle certain |
| Jackson | | smoking, for example, might be best | | insurance contracts for the |
| Huntington Beach | | suited purchasing a shorter term (and | | policyholder. |
| San Diego | | then replacing it with a longer term | | |
| Fayetteville | | policy when they qualify for | | Paid-In Surplus: Surplus paid in by |
| Fort Wayne | | non-tobacco prices). | | stockholders, as contrasted with |
| Livonia | | | | surplus earned through the |
| Washington | | The quickest and easiest way to | | operations of a business. |
| Augusta | | shop for new insurance is by | | |
| Louisville | | comparing rates at InsWebs online | | National Auto Theft Bureau: An |
| Madison | | marketplace. If you do it the | | organization engaged in the |
| Carlsbad | | old-fashioned way (by calling or | | prevention and reduction of motor |
| Sioux City | | visiting multiple agents or insurance | | vehicle fire and theft losses. |
| Dearborn | | companies) it could take up a huge | | |
| Lancaster | | chunk of your time, which no one | | Basic Rate: The manual rate from |
| Cambridge | | wants or needs. By completing | | which discounts are taken or to which |
| Spartanburg | | InsWebs online application, you will | | charges are added to reflect the |
| Bradenton | | have rates to compare to your old | | individual circumstances of a risk. |
| Milwaukee | | ones within minutes! | | |
| Fremont | | | | Convention Values: Values assigned |
| Spring Hill | | The best time to switch policies is | | to insurers' assets in the convention |
| Fremont | | within one month of receiving your | | blank. |
| Staten Island | | policy renewal from your current | | |
| Myrtle Beach | | insurer. You can typically cancel your | | Approved: The condition which exists |
| Macon | | policy without any fees or penalties if | | when the person or object to be |
| Boca Raton | | you act within this time period. | | insured meets the underwriting |
| Harrisburg | | | | standards of the insurer. |
| Santa Ana | | If you decide to cancel your policy | | |
| Union | | (after acquiring new coverage) | | Gross Premium: The net premium |
| Providence | | outside of the 30-day period, you may | | plus operating expenses, |
| Mobile | | have to pay a fee or penalty. | | commissions and other expenses. |
| Palo Alto | | However, you may still save money | | |
| Pensacola | | after paying the fee if your new policy | | |
| White Plains | | affords you significant savings. So | | |
| Rockville | | while it is best to wait until your | | |
| Youngstown | | receive your renewal notice, you CAN | | |
| Springfield | | cancel your policy at any time. | | |
