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| Lincoln | | Individuals who have 30-year | | Retrospective Premium: The final |
| Wichita Falls | | mortgages might want to consider a | | premium in a retrospective rating |
| Wichita Falls | | 30-year term to ensure that the house | | plan. See Retrospective Rating. |
| Wilmington | | is protected throughout the period of | | |
| Green Bay | | the loan. | | Liquidity: The ability of an insurer to |
| Chesapeake | | | | convert its assets into cash to pay |
| Johnson City | | People who are trying to quit | | claims if necessary. |
| Flint | | smoking, for example, might be best | | |
| Alameda | | suited purchasing a shorter term (and | | Insolvent Insurer: An insurer which is |
| Edison | | then replacing it with a longer term | | unable to meet its financial |
| Independence | | policy when they qualify for | | obligations. |
| Cleveland | | non-tobacco prices). | | |
| Raleigh | | | | Buy-Back" Deductible: A deductible |
| Chicago | | Why not take advantage of current | | which may be eliminated for an |
| West Palm Beach | | low prices? Many auto insurance | | additional premium in order to |
| Worcester | | consumers are becoming educated | | provide "first-dollar" coverage. |
| Pembroke Pines | | on other companies, plans, and rates | | |
| Columbus | | that are available to them; ones that | | Lapsed Policy: One which has been |
| Lubbock | | could afford them significant savings | | allowed to expire because of |
| Melbourne | | on their auto insurance. | | nonpayment of premiums. |
