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| Pittsburgh | | The best time to switch policies is | | War Risk Insurance: Insurance |
| Des Moines | | within one month of receiving your | | covering damage caused by war. |
| Amarillo | | policy renewal from your current | | Most often written by Ocean Marine |
| Topeka | | insurer. You can typically cancel your | | Insurance companies covering |
| Englewood | | policy without any fees or penalties if | | vessels. |
| Woodbridge | | you act within this time period. | | |
| Flint | | | | Net Retention: The amount of |
| Littleton | | People who are trying to quit | | insurance that a ceding company |
| Southfield | | smoking, for example, might be best | | keeps for its own account and does |
| South Bend | | suited purchasing a shorter term (and | | not reinsure. |
| Springfield | | then replacing it with a longer term | | |
| Palm Harbor | | policy when they qualify for | | Broker-Agent: One acting as an agent |
| Muncie | | non-tobacco prices). | | of one or more insurers and as a |
| Reading | | | | broker in dealing with one or more |
| Nashville | | At InsWeb, you can compare free | | other insurers. |
| Abilene | | online insurance quotes from many of | | |
| Elkhart | | the nations leading insurance | | Indemnity: Restoration to the victim of |
| Fremont | | companies. | | a loss by payment, repair, or |
| Salem | | | | replacement. |
| Dayton | | Healthy people have the best | | |
| Escondido | | mortality risks and thus are much | | Incurred Expense: Expenses not yet |
| El Paso | | cheaper for companies to insure. This | | paid. Can also include paid |
| Anderson | | translates into lower rates for the | | expenses in some accounting |
| Toledo | | Super Preferred customer than | | systems. |
| San Diego | | someone with higher risk factors such | | |
| Council Bluffs | | as a heart condition, cancer or | | Cash Flow Underwriting: The use of |
| Hendersonville | | diabetes. Conversely, if you were | | rating and premium collection |
| Sunnyvale | | unhealthy when you acquired your | | techniques by insurance companies |
| Columbus | | policy, and your health has now | | to maximize interest earnings on |
| Denver | | improved, it might be time to shop for | | premiums. |
| Fort Collins | | a new policy, as your rates are likely | | |
| Austin | | to be lower. | | Brokerage Business: Business |
| Rockville | | | | offered to an insurer by a broker. This |
| Metairie | | If you have noticed that your auto | | is sometimes called excess or |
| Berkeley | | insurance rates are still increasing | | surplus business. |
| Franklin | | with each renewal, or even have not | | |
| Cedar Rapids | | gone down even though you have a | | |
| Palo Alto | | great driving record, this lower pricing | | |
| Oxnard | | trend makes it more important then | | |
| Goldsboro | | ever that you shop around for auto | | |
| Chesapeake | | insurance. | | |
