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| Pompano Beach | | The quickest and easiest way to | | Renewal: The reestablishment of the |
| Anchorage | | shop for new insurance is by | | in-force status of a policy, the term of |
| Ventura | | comparing rates at InsWebs online | | which has expired or will expire |
| Birmingham | | marketplace. If you do it the | | unless it is renewed. |
| Savannah | | old-fashioned way (by calling or | | |
| Oklahoma City | | visiting multiple agents or insurance | | Equity: The money value of an |
| Cincinnati | | companies) it could take up a huge | | insurance company that is over and |
| Las Vegas | | chunk of your time, which no one | | above its liabilities. Liabilities include |
| Lowell | | wants or needs. By completing | | almost all of its reserves. |
| Olympia | | InsWebs online application, you will | | |
| Newport Beach | | have rates to compare to your old | | Substandard Risk: A risk not |
| Wichita Falls | | ones within minutes! | | measuring up to underwriting |
| Longwood | | | | standards. It may still be written but |
| Boston | | Make sure you have a new policy in | | usually at a surcharged premium. |
| Westbury | | place before you cancel your old one | | |
| Olympia | | to avoid a lapse in coverage. This will | | Indemnity: Restoration to the victim of |
| Anderson | | also prevent having to figure out the | | a loss by payment, repair, or |
| Harlingen | | amount of any unused premium that is | | replacement. |
| Poughkeepsie | | due to you from your old insurance | | |
| Lake Worth | | company, or having to spar with your | | Theory of Probability: The |
| Cape Coral | | agent about exactly when your policy | | mathematical principle upon which |
| Johnson City | | was cancelled and how much they | | insurance is based. |
| Burbank | | owe you. | | |
| White Plains | | | | Depreciation: A decrease in the value |
| Baton Rouge | | Individuals who have 30-year | | of any type of tangible property over |
| Corona | | mortgages might want to consider a | | a period of time resulting from use, |
| Bethlehem | | 30-year term to ensure that the house | | wear and tear, or obsolescence. |
| Fayetteville | | is protected throughout the period of | | |
| Athens | | the loan. | | Effective Date: The date on which the |
| Albany | | | | protection of an insurance policy or |
| Rochester | | People who are trying to quit | | bond goes into effect. |
| Chandler | | smoking, for example, might be best | | |
| Minneapolis | | suited purchasing a shorter term (and | | Expense Allowance: A compensation |
| Charlotte | | then replacing it with a longer term | | paid to an insurance agent in excess |
| Beaumont | | policy when they qualify for | | of prescribed commissions. |
| Boise | | non-tobacco prices). | | |
