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| Davenport | | The best time to switch policies is | | Deficit Carried Forward: The transfer |
| Cleveland | | within one month of receiving your | | of a debit balance from one |
| Cincinnati | | policy renewal from your current | | accounting period to another. |
| Fayetteville | | insurer. You can typically cancel your | | |
| Knoxville | | policy without any fees or penalties if | | Net Interest Earned: The average |
| Grand Rapids | | you act within this time period. | | interest earned by an insurer on its |
| Beaumont | | | | investments after investment expense |
| Tucson | | Healthy people have the best | | but before federal income taxes. |
| Troy | | mortality risks and thus are much | | |
| Marietta | | cheaper for companies to insure. This | | Professional Insurance Agents |
| Tampa | | translates into lower rates for the | | Association: A trade association of |
| Gainesville | | Super Preferred customer than | | mutual insurance agents. |
| Pueblo | | someone with higher risk factors such | | |
| Quincy | | as a heart condition, cancer or | | Sole Proprietorship: A business |
| Plano | | diabetes. Conversely, if you were | | enterprise owned by one person who |
| Silver Spring | | unhealthy when you acquired your | | is its manager and employee. |
| Stamford | | policy, and your health has now | | |
| Pasadena | | improved, it might be time to shop for | | Malicious Mischief: Similar to |
| Council Bluffs | | a new policy, as your rates are likely | | vandalism. Purposely damaging the |
| Stockbridge | | to be lower. | | rights or property of another. |
