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| Tacoma | | The best time to switch policies is | | Deflation: An economic period |
| York | | within one month of receiving your | | characterized by falling prices, high |
| Burbank | | policy renewal from your current | | unemployment and a generally |
| Glendale | | insurer. You can typically cancel your | | sluggish or slow economy. |
| Spring Hill | | policy without any fees or penalties if | | |
| Johnson City | | you act within this time period. | | Legislative Risk: A risk faced by |
| Santa Ana | | | | investors whereby changes in tax |
| Providence | | We offer quotes for auto insurance, | | laws can result in adverse effects on |
| South Bend | | life insurance, homeowners | | the individual's investment results. |
| Quincy | | insurance, health insurance, term life | | |
| Orlando | | insurance and more. | | Independent Contractor: One who |
| Torrance | | | | agrees to perform according to a |
| Lake Charles | | Make sure you have a new policy in | | contract and who is not an employee. |
| Wichita | | place before you cancel your old one | | |
| Newburgh | | to avoid a lapse in coverage. This will | | Approved Roof: A term used in |
| Baton Rouge | | also prevent having to figure out the | | building construction. It indicates a |
| Miami | | amount of any unused premium that is | | roof made of fire-resistive materials, |
| Lansing | | due to you from your old insurance | | such as tile or asphalt shingles. |
| Garland | | company, or having to spar with your | | |
| San Bernardino | | agent about exactly when your policy | | Captive Agent: One who sells |
| Asheville | | was cancelled and how much they | | insurance for only one company as |
| Hampton | | owe you. | | opposed to an agent who represents |
| Tucson | | | | several companies. |
| Greenville | | Healthy people have the best | | |
| San Antonio | | mortality risks and thus are much | | Paid-In Surplus: Surplus paid in by |
| Edmond | | cheaper for companies to insure. This | | stockholders, as contrasted with |
| Montgomery | | translates into lower rates for the | | surplus earned through the |
| Lansing | | Super Preferred customer than | | operations of a business. |
| Warwick | | someone with higher risk factors such | | |
| Santa Barbara | | as a heart condition, cancer or | | Building Code: This refers to |
| Dearborn | | diabetes. Conversely, if you were | | municipal or other governmental |
| Salem | | unhealthy when you acquired your | | ordinances regulating the type of |
| Lafayette | | policy, and your health has now | | construction of buildings within its |
| Oakland | | improved, it might be time to shop for | | jurisdiction. |
| Bloomington | | a new policy, as your rates are likely | | |
| Myrtle Beach | | to be lower. | | |
