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| Boulder | | Make sure you have a new policy in | | Paid-In Surplus: Surplus paid in by |
| Santa Barbara | | place before you cancel your old one | | stockholders, as contrasted with |
| Chandler | | to avoid a lapse in coverage. This will | | surplus earned through the |
| Gainesville | | also prevent having to figure out the | | operations of a business. |
| Phoenix | | amount of any unused premium that is | | |
| Boston | | due to you from your old insurance | | Director of Insurance: A title used in |
| Greeley | | company, or having to spar with your | | some states for the head of the |
| Los Angeles | | agent about exactly when your policy | | department of insurance. |
| Goldsboro | | was cancelled and how much they | | |
| Redlands | | owe you. | | Underwriters Laboratories, Inc. (UL): A |
| Union | | | | testing laboratory for manufactured |
| Midland | | Individuals who have 30-year | | items to determine their safety |
| Columbia | | mortgages might want to consider a | | propensities. |
| Greeley | | 30-year term to ensure that the house | | |
| Cambridge | | is protected throughout the period of | | Deflation: An economic period |
| Franklin | | the loan. | | characterized by falling prices, high |
| Midland | | | | unemployment and a generally |
| Flushing | | Why not take advantage of current | | sluggish or slow economy. |
| Irvine | | low prices? Many auto insurance | | |
| Sunnyvale | | consumers are becoming educated | | Gain and Loss Exhibit: The portion of |
| Fort Collins | | on other companies, plans, and rates | | the convention blank which |
| Knoxville | | that are available to them; ones that | | represents an analysis of gains, |
| Riverside | | could afford them significant savings | | losses, and surplus during an |
| Rochester | | on their auto insurance. | | accounting period. |
