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| Gainesville | | The best time to switch policies is | | Premises: The particular location of |
| Fullerton | | within one month of receiving your | | property or a portion thereof as |
| Gainesville | | policy renewal from your current | | designated in a policy. |
| Jacksonville | | insurer. You can typically cancel your | | |
| Anderson | | policy without any fees or penalties if | | Public Adjuster: An insurance adjuster |
| Williamsport | | you act within this time period. | | who represents an insured on a fee |
| Los Angeles | | | | basis in claims settlement. Contrast |
| Salt Lake City | | Healthy people have the best | | with Independent Adjuster. |
| Pompano Beach | | mortality risks and thus are much | | |
| St. Joseph | | cheaper for companies to insure. This | | Policy Period (or Term): The period |
| Bloomington | | translates into lower rates for the | | during which the policy contract |
| Milwaukee | | Super Preferred customer than | | affords protection, e.g., six months or |
| Pembroke Pines | | someone with higher risk factors such | | one or three years. |
| Greenville | | as a heart condition, cancer or | | |
| Brooklyn | | diabetes. Conversely, if you were | | Dual Life Stock Company: A stock |
| Lima | | unhealthy when you acquired your | | Life insurer issuing both participating |
| Spring Hill | | policy, and your health has now | | and nonparticipating policy contracts. |
| Brooklyn | | improved, it might be time to shop for | | |
| Warren | | a new policy, as your rates are likely | | Lloyd's Broker: A person who has the |
| Lake Worth | | to be lower. | | authority to negotiate insurance |
| Miami | | | | contracts with the underwriters on the |
| Warren | | People who are trying to quit | | floor at Lloyd's. |
| Waterloo | | smoking, for example, might be best | | |
| Hartford | | suited purchasing a shorter term (and | | Net Retention: The amount of |
| Fort Worth | | then replacing it with a longer term | | insurance that a ceding company |
| Rapid City | | policy when they qualify for | | keeps for its own account and does |
| Beaumont | | non-tobacco prices). | | not reinsure. |
