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| Riverside | | People who are trying to quit | | Net Loss: The amount of loss |
| Portland | | smoking, for example, might be best | | sustained by an insurer after giving |
| Grand Rapids | | suited purchasing a shorter term (and | | effect to all applicable reinsurance, |
| Kansas City | | then replacing it with a longer term | | salvage, and subrogation recoveries. |
| Olympia | | policy when they qualify for | | |
| Santa Ana | | non-tobacco prices). | | Admitted (or Allowed) Assets: Assets |
| Clinton Township | | | | whose values are permitted by state |
| Daytona Beach | | The best time to switch policies is | | law to be included in the annual |
| Fayetteville | | within one month of receiving your | | statement of the insurer. |
| St. Louis | | policy renewal from your current | | |
| Fresno | | insurer. You can typically cancel your | | Agency: An insurance sales office |
| Duluth | | policy without any fees or penalties if | | which is directed by a agent, |
| Aurora | | you act within this time period. | | manager, independent agent, or |
| Boulder | | | | company manager. |
| Bellevue | | Make sure you have a new policy in | | |
| Manchester | | place before you cancel your old one | | Tabular Plan: A retrospective rating |
| Minneapolis | | to avoid a lapse in coverage. This will | | plan, which uses tables to furnish the |
| Henderson | | also prevent having to figure out the | | various values for the rating formula. |
| Malden | | amount of any unused premium that is | | |
| Muncie | | due to you from your old insurance | | Multi-Peril Policies: Policies which |
| Dearborn | | company, or having to spar with your | | cover a number of perils, such as fire, |
| Rochester | | agent about exactly when your policy | | burglary, and liability, in a single |
| Norwalk | | was cancelled and how much they | | contract. |
| San Bernardino | | owe you. | | |
| Long Island City | | | | Interline Endorsement: Commercial |
| Littleton | | Life insurance, specifically Term Life, | | endorsements that apply, or could |
| Cambridge | | is arguably one of the best values in | | apply, to more than one coverage |
| Berkeley | | the entire financial services arena. | | part of a package policy. |
| Daytona Beach | | Where else can you go and get | | |
| Houston | | hundreds of thousands of dollars in | | Earned Income: The money |
| Dearborn | | protection for literally pennies per | | individuals earn as a result of working |
| West Palm Beach | | day? Rates for Term Life insurance | | at some job or occupation for which |
| Independence | | remain at all-time lows, and now is the | | they are paid a salary. |
| San Jose | | time to lock in the best prices. | | |
