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| Gaithersburg | | Everyone has different needs, and | | National Auto Theft Bureau: An |
| Jacksonville | | not one size fits all when it comes to | | organization engaged in the |
| Syracuse | | term life insurance. While it may make | | prevention and reduction of motor |
| Santa Barbara | | sense for people in their 30s and 40s | | vehicle fire and theft losses. |
| Oklahoma City | | to secure a 20-year term length, a | | |
| Seattle | | 10-year term might be more | | Criticism: A correction suggested by a |
| Fullerton | | appropriate for someone nearing | | rating or auditing bureau to an insurer. |
| Portsmouth | | retirement. | | |
| Racine | | | | Capital Sum: The maximum lump sum |
| Lowell | | Make sure you have a new policy in | | payable in the event of accidental |
| Dothan | | place before you cancel your old one | | death or dismemberment. |
| Jacksonville | | to avoid a lapse in coverage. This will | | |
| Vineland | | also prevent having to figure out the | | Absolute Assignment: Assignment by |
| Zanesville | | amount of any unused premium that is | | a policy owner of all control of and |
| Longmont | | due to you from your old insurance | | rights in the policy to a third party. |
| Winter Haven | | company, or having to spar with your | | |
| Southfield | | agent about exactly when your policy | | Exclusions: Specific situations, |
| Macon | | was cancelled and how much they | | conditions, or circumstances that are |
| Olympia | | owe you. | | listed in the contract as being not |
| Biloxi | | | | covered. |
| Walnut Creek | | At InsWeb, you can compare free | | |
| Erie | | online insurance quotes from many of | | Nonadmitted Insurer: An insurer not |
| Houston | | the nations leading insurance | | licensed to do business in the |
| Texarkana | | companies. | | jurisdiction in question. Same as |
| Spartanburg | | | | Unauthorized Insurer and Unlicensed |
| Scranton | | Healthy people have the best | | Insurer. |
| Harlingen | | mortality risks and thus are much | | |
| Alpharetta | | cheaper for companies to insure. This | | Losses Outstanding: A summary |
| Jacksonville | | translates into lower rates for the | | statement prepared by Property, Life, |
| Atlanta | | Super Preferred customer than | | and Liability insurers showing claims |
| Williamsport | | someone with higher risk factors such | | not yet settled. |
| Franklin | | as a heart condition, cancer or | | |
| Jacksonville | | diabetes. Conversely, if you were | | Leasehold: An agreement which |
| Rochester | | unhealthy when you acquired your | | gives a person the right to use and |
| Miami | | policy, and your health has now | | occupy property. |
| Plano | | improved, it might be time to shop for | | |
| Spokane | | a new policy, as your rates are likely | | |
| Clinton Township | | to be lower. | | |
