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| Little Rock | | Make sure you have a new policy in | | Theory of Probability: The |
| Anaheim | | place before you cancel your old one | | mathematical principle upon which |
| High Point | | to avoid a lapse in coverage. This will | | insurance is based. |
| Winter Haven | | also prevent having to figure out the | | |
| West Chester | | amount of any unused premium that is | | Lapsed Policy: One which has been |
| Colorado Springs | | due to you from your old insurance | | allowed to expire because of |
| St. Paul | | company, or having to spar with your | | nonpayment of premiums. |
| Cincinnati | | agent about exactly when your policy | | |
| Corona | | was cancelled and how much they | | Notice of Cancellation: Written notice |
| Muskegon | | owe you. | | by an insurer of intent to cancel |
| Oceanside | | | | insurance, or written notice by an |
| Erie | | At InsWeb, you can compare free | | insured requesting cancellation. |
| Bay City | | online insurance quotes from many of | | |
| Hampton | | the nations leading insurance | | Paid-In Surplus: Surplus paid in by |
| Las Vegas | | companies. | | stockholders, as contrasted with |
| Killeen | | | | surplus earned through the |
| Ventura | | We offer quotes for auto insurance, | | operations of a business. |
| Oklahoma City | | life insurance, homeowners | | |
| Bloomington | | insurance, health insurance, term life | | Underinsurance: A condition in which |
| Killeen | | insurance and more. | | not enough insurance is carried to |
| Nashua | | | | cover the insurable value. |
| Billings | | The best time to switch policies is | | |
| Rockford | | within one month of receiving your | | License: A certification of authority for |
| Durham | | policy renewal from your current | | an agent or insurer to operate, given |
| Long Island City | | insurer. You can typically cancel your | | by the appropriate jurisdiction. |
| Pembroke Pines | | policy without any fees or penalties if | | |
| Jackson | | you act within this time period. | | Mutualization: The process of |
| Portland | | | | converting a stock insurer to a mutual |
| Columbia | | Individuals who have 30-year | | insurer, accomplished by having the |
| Topeka | | mortgages might want to consider a | | insurer buy stock and retire it. |
| Houma | | 30-year term to ensure that the house | | |
| Toms River | | is protected throughout the period of | | Basic Rate: The manual rate from |
| Pompano Beach | | the loan. | | which discounts are taken or to which |
| Lakewood | | | | charges are added to reflect the |
| Williamsport | | | | individual circumstances of a risk. |
