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| Conroe | | We offer quotes for auto insurance, | | Premium Notice: A form notice from |
| Pensacola | | life insurance, homeowners | | an insurer or agency to a policy |
| Wichita Falls | | insurance, health insurance, term life | | owner that a premium will be due on a |
| Houma | | insurance and more. | | given date. |
| Minneapolis | | | | |
| Torrance | | If you decide to cancel your policy | | Paid-In Surplus: Surplus paid in by |
| Tacoma | | (after acquiring new coverage) | | stockholders, as contrasted with |
| Thousand Oaks | | outside of the 30-day period, you may | | surplus earned through the |
| Tulsa | | have to pay a fee or penalty. | | operations of a business. |
| West Palm Beach | | However, you may still save money | | |
| Tampa | | after paying the fee if your new policy | | Approved: The condition which exists |
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| Pensacola | | while it is best to wait until your | | insured meets the underwriting |
| Reno | | receive your renewal notice, you CAN | | standards of the insurer. |
| Mesa | | cancel your policy at any time. | | |
| San Antonio | | | | Lapsed Policy: One which has been |
| Schaumburg | | At InsWeb, you can compare free | | allowed to expire because of |
| Berkeley | | online insurance quotes from many of | | nonpayment of premiums. |
| Pembroke Pines | | the nations leading insurance | | |
| Troy | | companies. | | Cash Flow Underwriting: The use of |
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| North Hollywood | | Healthy people have the best | | techniques by insurance companies |
| Edmond | | mortality risks and thus are much | | to maximize interest earnings on |
| Huntington Beach | | cheaper for companies to insure. This | | premiums. |
| Tempe | | translates into lower rates for the | | |
| Yuma | | Super Preferred customer than | | Exclusions: Specific situations, |
| Oklahoma City | | someone with higher risk factors such | | conditions, or circumstances that are |
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| Olympia | | diabetes. Conversely, if you were | | covered. |
| Stockton | | unhealthy when you acquired your | | |
| Delray Beach | | policy, and your health has now | | Loss Adjustment Expense: The cost |
| Green Bay | | improved, it might be time to shop for | | of adjusting losses, excluding the |
| Amarillo | | a new policy, as your rates are likely | | amount of the loss itself. |
| Pasadena | | to be lower. | | |
