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| Cambridge | | Shopping around is the best way to | | Mandatory Valuation Reserve: A |
| Cookeville | | save money on your insurance. | | reserve required by a state law to |
| Amarillo | | | | offset any declines in the valuation of |
| Alpharetta | | The best time to switch policies is | | securities listed as admitted assets. |
| Rockford | | within one month of receiving your | | |
| San Antonio | | policy renewal from your current | | Deficit Carried Forward: The transfer |
| Albany | | insurer. You can typically cancel your | | of a debit balance from one |
| Fort Collins | | policy without any fees or penalties if | | accounting period to another. |
| Canton | | you act within this time period. | | |
| White Plains | | | | Notice To Company: Written notice to |
| Lansing | | While some companies raise their | | an insurer of the occurrence of an |
| El Cajon | | prices based on your actual age, | | event which a claim is to be based. |
| Springfield | | most companies increase the price of | | |
| Anderson | | their policies six months before your | | Premises: The particular location of |
| Fredericksburg | | birthday. Its a term called Age | | property or a portion thereof as |
| Newport Beach | | Nearest in the industry, and that | | designated in a policy. |
| Lawton | | half-year price increase could really | | |
| Thousand Oaks | | add up over a 20-year term policy. As | | Coding: A method of putting |
| Fort Myers | | above, the quicker you purchase your | | information into a numerical form for |
| Franklin | | policy the better. | | statistical use. Most information on |
| Amarillo | | | | policies is coded and then put into |
| Duluth | | People who are trying to quit | | reports. |
| Lorain | | smoking, for example, might be best | | |
| Lubbock | | suited purchasing a shorter term (and | | Brokerage Department: A department |
| Springfield | | then replacing it with a longer term | | of an insurer whose purpose is to |
| Pueblo | | policy when they qualify for | | deal with brokers in the placing of |
| Atlanta | | non-tobacco prices). | | insurance. |