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| Franklin | | People who are trying to quit | | Adjustment Bureau: A firm organized |
| Toms River | | smoking, for example, might be best | | to provide adjustment services to |
| Escondido | | suited purchasing a shorter term (and | | insurers not wishing to create their |
| Oxnard | | then replacing it with a longer term | | own claims division. |
| Virginia Beach | | policy when they qualify for | | |
| Walnut Creek | | non-tobacco prices). | | Tariff Rate: A rate established by a |
| Peoria | | | | rating organization, which comes from |
| Englewood | | Everyone has different needs, and | | the tables, schedules and rules found |
| Jackson | | not one size fits all when it comes to | | in the tariff of rates. |
| Rapid City | | term life insurance. While it may make | | |
| Fullerton | | sense for people in their 30s and 40s | | Agency Company: An insurance |
| Akron | | to secure a 20-year term length, a | | company that produces business |
| Lowell | | 10-year term might be more | | through an agency network. Contrast |
| Conroe | | appropriate for someone nearing | | with Direct Writer. |
| Torrance | | retirement. | | |
| Wichita Falls | | | | Incurred Expense: Expenses not yet |
| Evansville | | The quickest and easiest way to | | paid. Can also include paid |
| Virginia Beach | | shop for new insurance is by | | expenses in some accounting |
| Spokane | | comparing rates at InsWebs online | | systems. |
| Durham | | marketplace. If you do it the | | |
| Longwood | | old-fashioned way (by calling or | | Premium Notice: A form notice from |
| Edmond | | visiting multiple agents or insurance | | an insurer or agency to a policy |
| Ogden | | companies) it could take up a huge | | owner that a premium will be due on a |
| Indianapolis | | chunk of your time, which no one | | given date. |
| York | | wants or needs. By completing | | |
| Springfield | | InsWebs online application, you will | | We/Us/Our: These words are used to |
| Englewood | | have rates to compare to your old | | refer to the insurer in many of the |
| Salem | | ones within minutes! | | modernized/personalized policy |
| Kalamazoo | | | | forms recently introduced. |
| Alexandria | | Make sure you have a new policy in | | |
| Phoenix | | place before you cancel your old one | | Director of Insurance: A title used in |
| Norfolk | | to avoid a lapse in coverage. This will | | some states for the head of the |
| Monroe | | also prevent having to figure out the | | department of insurance. |
| Worcester | | amount of any unused premium that is | | |
| Bellevue | | due to you from your old insurance | | |
| Columbia | | company, or having to spar with your | | |
| Mountain View | | agent about exactly when your policy | | |
| Allentown | | was cancelled and how much they | | |
| Midland | | owe you. | | |
