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| Memphis | | If you decide to cancel your policy | | Examiner: An employee assigned by |
| Evansville | | (after acquiring new coverage) | | the state insurance department to |
| Raleigh | | outside of the 30-day period, you may | | audit insurers' records. |
| Silver Spring | | have to pay a fee or penalty. | | |
| Stockbridge | | However, you may still save money | | Claim: A demand made by the |
| Albany | | after paying the fee if your new policy | | insured, or the insured's beneficiary, |
| Palm Harbor | | affords you significant savings. So | | for payment of the benefits provided |
| Abilene | | while it is best to wait until your | | by the contract. |
| Edison | | receive your renewal notice, you CAN | | |
| Davenport | | cancel your policy at any time. | | Will Ride: Coverage that remains in |
| Odessa | | | | effect regardless of the geographical |
| Columbus | | Why not take advantage of current | | location in which a loss occurs. |
| Longmont | | low prices? Many auto insurance | | |
| Midland | | consumers are becoming educated | | Director of Insurance: A title used in |
| Spartanburg | | on other companies, plans, and rates | | some states for the head of the |
| Salt Lake City | | that are available to them; ones that | | department of insurance. |
| West Palm Beach | | could afford them significant savings | | |
| Nashville | | on their auto insurance. | | Net Retention: The amount of |
| Bellevue | | | | insurance that a ceding company |
| Fayetteville | | Individuals who have 30-year | | keeps for its own account and does |
| Austin | | mortgages might want to consider a | | not reinsure. |
| Westbury | | 30-year term to ensure that the house | | |
| North Hollywood | | is protected throughout the period of | | Tariff Rate: A rate established by a |
| Fredericksburg | | the loan. | | rating organization, which comes from |
| Kalamazoo | | | | the tables, schedules and rules found |
| Wilmington | | We offer quotes for auto insurance, | | in the tariff of rates. |
| Troy | | life insurance, homeowners | | |
| Malden | | insurance, health insurance, term life | | Expense Allowance: A compensation |
| Cedar Rapids | | insurance and more. | | paid to an insurance agent in excess |
| Santa Clara | | | | of prescribed commissions. |
| Alameda | | Healthy people have the best | | |
| Duluth | | mortality risks and thus are much | | Legislative Risk: A risk faced by |
| Spring Hill | | cheaper for companies to insure. This | | investors whereby changes in tax |
| Alameda | | translates into lower rates for the | | laws can result in adverse effects on |
| Lake Charles | | Super Preferred customer than | | the individual's investment results. |
| Cranston | | someone with higher risk factors such | | |
| Irvine | | as a heart condition, cancer or | | |
| Colorado Springs | | diabetes. Conversely, if you were | | |
| Stockbridge | | unhealthy when you acquired your | | |
| Costa Mesa | | policy, and your health has now | | |
| Williamsport | | improved, it might be time to shop for | | |
| Columbus | | a new policy, as your rates are likely | | |
| Fremont | | to be lower. | | |
