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| Durham | | Healthy people have the best | | Net Retention: The amount of |
| Naperville | | mortality risks and thus are much | | insurance that a ceding company |
| Duluth | | cheaper for companies to insure. This | | keeps for its own account and does |
| West Palm Beach | | translates into lower rates for the | | not reinsure. |
| Odessa | | Super Preferred customer than | | |
| Anderson | | someone with higher risk factors such | | Short-Term Policy: A policy written for |
| Washington | | as a heart condition, cancer or | | a period of less time than is normal for |
| Amarillo | | diabetes. Conversely, if you were | | that type of policy. |
| Lake Worth | | unhealthy when you acquired your | | |
| Peoria | | policy, and your health has now | | Not Taken: Policies applied for and |
| Monroe | | improved, it might be time to shop for | | issued but rejected by the proposed |
| Berkeley | | a new policy, as your rates are likely | | owner and not paid for. |
| Long Beach | | to be lower. | | |
| Peoria | | | | Liabilities: Money owed or expected |
| Metairie | | At InsWeb, you can compare free | | to be owed. Insurance company |
| Santa Ana | | online insurance quotes from many of | | financial statements, for instance, |
| Clarksville | | the nations leading insurance | | show assets and liabilities. |
| Peoria | | companies. | | |
| Walnut Creek | | | | Gain and Loss Exhibit: The portion of |
| Naples | | Why not take advantage of current | | the convention blank which |
| Rome | | low prices? Many auto insurance | | represents an analysis of gains, |
| Independence | | consumers are becoming educated | | losses, and surplus during an |
| Costa Mesa | | on other companies, plans, and rates | | accounting period. |
| Pensacola | | that are available to them; ones that | | |
| Fall River | | could afford them significant savings | | Collusion: An agreement, usually |
| San Diego | | on their auto insurance. | | secret, between two or more persons |
| Aurora | | | | to defraud or deprive another or |
| Anderson | | If you decide to cancel your policy | | others of their property or rights. |
| Redlands | | (after acquiring new coverage) | | |
| Jackson | | outside of the 30-day period, you may | | Independent Agent: An agent |
| Jackson | | have to pay a fee or penalty. | | operating as an independent |
| Albany | | However, you may still save money | | contractor under the independent |
| Irving | | after paying the fee if your new policy | | agency system. |
| Fredericksburg | | affords you significant savings. So | | |
| Oceanside | | while it is best to wait until your | | |
| Owensboro | | receive your renewal notice, you CAN | | |
| Richmond | | cancel your policy at any time. | | |
