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| Richmond | | Make sure you have a new policy in | | Nonadmitted Insurer: An insurer not |
| New York | | place before you cancel your old one | | licensed to do business in the |
| Union | | to avoid a lapse in coverage. This will | | jurisdiction in question. Same as |
| San Antonio | | also prevent having to figure out the | | Unauthorized Insurer and Unlicensed |
| Boulder | | amount of any unused premium that is | | Insurer. |
| Toledo | | due to you from your old insurance | | |
| Turlock | | company, or having to spar with your | | Society of Insurance Research: An |
| Atlanta | | agent about exactly when your policy | | organization which encourages |
| Bay City | | was cancelled and how much they | | insurance research and promotes the |
| Schaumburg | | owe you. | | exchange of ideas and methods of |
| Ocala | | | | research. |
| West Palm Beach | | Individuals who have 30-year | | |
| Allentown | | mortgages might want to consider a | | Independent Contractor: One who |
| Lafayette | | 30-year term to ensure that the house | | agrees to perform according to a |
| Fort Collins | | is protected throughout the period of | | contract and who is not an employee. |
| Newport Beach | | the loan. | | |
| Odessa | | | | Business: In Property, Liability, and |
| Lawrenceville | | Why not take advantage of current | | Health lines, it usually refers to the |
| Gulfport | | low prices? Many auto insurance | | volume of premiums. |
| Schaumburg | | consumers are becoming educated | | |
| Fort Smith | | on other companies, plans, and rates | | Valuation Clause: A clause stating the |
| South Bend | | that are available to them; ones that | | value of items for insurance |
| Mansfield | | could afford them significant savings | | purposes, making it a valued policy. |
| Harlingen | | on their auto insurance. | | |
| Lawton | | | | License: A certification of authority for |
| Mobile | | Healthy people have the best | | an agent or insurer to operate, given |
| Madison | | mortality risks and thus are much | | by the appropriate jurisdiction. |
| Sunnyvale | | cheaper for companies to insure. This | | |
| Anchorage | | translates into lower rates for the | | Not Taken: Policies applied for and |
| Augusta | | Super Preferred customer than | | issued but rejected by the proposed |
| Jersey City | | someone with higher risk factors such | | owner and not paid for. |
| Columbia | | as a heart condition, cancer or | | |
| Orange | | diabetes. Conversely, if you were | | Exclusion: A contractual provision that |
| Lake Worth | | unhealthy when you acquired your | | denies coverage for certain perils, |
| Louisville | | policy, and your health has now | | persons, property, or locations. |
| Fort Collins | | improved, it might be time to shop for | | |
| Palm Desert | | a new policy, as your rates are likely | | |
| Winter Park | | to be lower. | | |
