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| Oceanside | | The quickest and easiest way to | | Building Code: This refers to |
| Allentown | | shop for new insurance is by | | municipal or other governmental |
| Palm Desert | | comparing rates at InsWebs online | | ordinances regulating the type of |
| Brooklyn | | marketplace. If you do it the | | construction of buildings within its |
| Jackson | | old-fashioned way (by calling or | | jurisdiction. |
| Spokane | | visiting multiple agents or insurance | | |
| Augusta | | companies) it could take up a huge | | Premises: The particular location of |
| Evansville | | chunk of your time, which no one | | property or a portion thereof as |
| Columbus | | wants or needs. By completing | | designated in a policy. |
| Lowell | | InsWebs online application, you will | | |
| Boston | | have rates to compare to your old | | Multi-Peril Policies: Policies which |
| Pompano Beach | | ones within minutes! | | cover a number of perils, such as fire, |
| Winter Park | | | | burglary, and liability, in a single |
| Lake Charles | | Make sure you have a new policy in | | contract. |
| Chesapeake | | place before you cancel your old one | | |
| Marietta | | to avoid a lapse in coverage. This will | | Calendar Year Experience: This |
| Daytona Beach | | also prevent having to figure out the | | measures the premiums and losses |
| Quincy | | amount of any unused premium that is | | entered on accounting records during |
| Spokane | | due to you from your old insurance | | the 12-month calendar. |
| Fredericksburg | | company, or having to spar with your | | |
| Mansfield | | agent about exactly when your policy | | Accidental Bodily Injury: An injury |
| Kansas City | | was cancelled and how much they | | sustained accidentally. Only the result |
| Downey | | owe you. | | need be accidental. Contrast with |
| Hattiesburg | | | | Accidental Means. |
| Clearwater | | Everyone has different needs, and | | |
| Toledo | | not one size fits all when it comes to | | Cash Flow Underwriting: The use of |
| Albany | | term life insurance. While it may make | | rating and premium collection |
| Montgomery | | sense for people in their 30s and 40s | | techniques by insurance companies |
| Lexington | | to secure a 20-year term length, a | | to maximize interest earnings on |
| Myrtle Beach | | 10-year term might be more | | premiums. |
| Baton Rouge | | appropriate for someone nearing | | |
| York | | retirement. | | Loss Adjustment Expense: The cost |
| Cranston | | | | of adjusting losses, excluding the |
| Vancouver | | People who are trying to quit | | amount of the loss itself. |
| Kingsport | | smoking, for example, might be best | | |
| Augusta | | suited purchasing a shorter term (and | | |
| Elkhart | | then replacing it with a longer term | | |
| Valdosta | | policy when they qualify for | | |
| Houma | | non-tobacco prices). | | |
