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| Minneapolis | | Individuals who have 30-year | | Director of Insurance: A title used in |
| Greeley | | mortgages might want to consider a | | some states for the head of the |
| Melbourne | | 30-year term to ensure that the house | | department of insurance. |
| Lorain | | is protected throughout the period of | | |
| Jacksonville | | the loan. | | Flat Cancellation: A policy which is |
| Owensboro | | | | cancelled upon its effective date. |
| Tampa | | The quickest and easiest way to | | Usually under a flat cancellation no |
| Lexington | | shop for new insurance is by | | premium charge is made. |
| Lafayette | | comparing rates at InsWebs online | | |
| Alameda | | marketplace. If you do it the | | Fictitious Groups: Groups formed |
| Acworth | | old-fashioned way (by calling or | | primarily for the purpose of buying |
| Chattanooga | | visiting multiple agents or insurance | | insurance. Under the law such groups |
| Tacoma | | companies) it could take up a huge | | may not be underwritten. |
| Lexington | | chunk of your time, which no one | | |
| Lawton | | wants or needs. By completing | | Appraisal: An evaluation of property |
| San Diego | | InsWebs online application, you will | | made to ascertain either the |
| Naples | | have rates to compare to your old | | appropriate amount of insurance to |
| Kansas City | | ones within minutes! | | be written or the amount of loss to be |
| St. Louis | | | | paid. |
| Oxnard | | People who are trying to quit | | |
| Monroe | | smoking, for example, might be best | | Cash Flow Underwriting: The use of |
| Berkeley | | suited purchasing a shorter term (and | | rating and premium collection |
| Carlsbad | | then replacing it with a longer term | | techniques by insurance companies |
| Fremont | | policy when they qualify for | | to maximize interest earnings on |
| Saginaw | | non-tobacco prices). | | premiums. |
