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| Tulsa | | Why not take advantage of current | | Federal Deposit Insurance |
| White Plains | | low prices? Many auto insurance | | Corporation (FDIC): An agency of the |
| Killeen | | consumers are becoming educated | | federal government which insures |
| Greensboro | | on other companies, plans, and rates | | bank deposits up to a stated |
| Ogden | | that are available to them; ones that | | maximum. |
| Hollywood | | could afford them significant savings | | |
| Muskegon | | on their auto insurance. | | Approved: The condition which exists |
| Charlotte | | | | when the person or object to be |
| Orange Park | | Healthy people have the best | | insured meets the underwriting |
| Malden | | mortality risks and thus are much | | standards of the insurer. |
| Hickory | | cheaper for companies to insure. This | | |
| Sunnyvale | | translates into lower rates for the | | Paid-In Surplus: Surplus paid in by |
| Santa Rosa | | Super Preferred customer than | | stockholders, as contrasted with |
| Fall River | | someone with higher risk factors such | | surplus earned through the |
| Mesa | | as a heart condition, cancer or | | operations of a business. |
| Cedar Rapids | | diabetes. Conversely, if you were | | |
| Littleton | | unhealthy when you acquired your | | Retail Credit Company: The former |
| Independence | | policy, and your health has now | | name of Equifax, a credit reporting |
| Spring Hill | | improved, it might be time to shop for | | organization. See Equifax. |
| Athens | | a new policy, as your rates are likely | | |
| Aurora | | to be lower. | | Operating Expense: The expense of |
| Kalamazoo | | | | an insurer other than commissions |
| Stuart | | We offer quotes for auto insurance, | | and taxes. Called " and Insurance |
| Downey | | life insurance, homeowners | | Expense" in the convention statement |
| Fayetteville | | insurance, health insurance, term life | | blank. |
| Rochester | | insurance and more. | | |
| Topeka | | | | Net Loss: The amount of loss |
| Santa Rosa | | The best time to switch policies is | | sustained by an insurer after giving |
| Stamford | | within one month of receiving your | | effect to all applicable reinsurance, |
| Woodbridge | | policy renewal from your current | | salvage, and subrogation recoveries. |
| Wilmington | | insurer. You can typically cancel your | | |
| Tallahassee | | policy without any fees or penalties if | | Broker-Agent: One acting as an agent |
| Lakeland | | you act within this time period. | | of one or more insurers and as a |
| Fort Wayne | | | | broker in dealing with one or more |
| Inglewood | | | | other insurers. |
