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| Downey | | We offer quotes for auto insurance, | | Fictitious Groups: Groups formed |
| Saginaw | | life insurance, homeowners | | primarily for the purpose of buying |
| Lincoln | | insurance, health insurance, term life | | insurance. Under the law such groups |
| Portsmouth | | insurance and more. | | may not be underwritten. |
| Boulder | | | | |
| Montgomery | | The best time to switch policies is | | Cash Flow Underwriting: The use of |
| Lincoln | | within one month of receiving your | | rating and premium collection |
| Monroe | | policy renewal from your current | | techniques by insurance companies |
| Lincoln | | insurer. You can typically cancel your | | to maximize interest earnings on |
| Olympia | | policy without any fees or penalties if | | premiums. |
| Washington | | you act within this time period. | | |
| Oxnard | | | | Absolute Assignment: Assignment by |
| Columbia | | Everyone has different needs, and | | a policy owner of all control of and |
| Sioux City | | not one size fits all when it comes to | | rights in the policy to a third party. |
| Mesa | | term life insurance. While it may make | | |
| Jackson | | sense for people in their 30s and 40s | | Commercial Lines: This term is used |
| Oceanside | | to secure a 20-year term length, a | | to refer to insurance for businesses, |
| Owensboro | | 10-year term might be more | | professionals, and commercial |
| Pasadena | | appropriate for someone nearing | | establishments. |
| Tulsa | | retirement. | | |
| Englewood | | | | Operating Expense: The expense of |
| Decatur | | If you have noticed that your auto | | an insurer other than commissions |
| Valdosta | | insurance rates are still increasing | | and taxes. Called " and Insurance |
| Chattanooga | | with each renewal, or even have not | | Expense" in the convention statement |
| Rockford | | gone down even though you have a | | blank. |
| Indianapolis | | great driving record, this lower pricing | | |
| Brooklyn | | trend makes it more important then | | Book Value: Refers to the value of |
| Rockford | | ever that you shop around for auto | | assets as shown in the official |
| Harrisburg | | insurance. | | accounting records of the company. |
