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| Fort Worth | | At InsWeb, you can compare free | | Net Interest Earned: The average |
| Ocala | | online insurance quotes from many of | | interest earned by an insurer on its |
| South Bend | | the nations leading insurance | | investments after investment expense |
| Palm Harbor | | companies. | | but before federal income taxes. |
| Pembroke Pines | | | | |
| Schaumburg | | Healthy people have the best | | Criticism: A correction suggested by a |
| Sterling Heights | | mortality risks and thus are much | | rating or auditing bureau to an insurer. |
| Bronx | | cheaper for companies to insure. This | | |
| Arlington | | translates into lower rates for the | | Capital Sum: The maximum lump sum |
| Arlington | | Super Preferred customer than | | payable in the event of accidental |
| Vineland | | someone with higher risk factors such | | death or dismemberment. |
| Littleton | | as a heart condition, cancer or | | |
| Columbia | | diabetes. Conversely, if you were | | Renewal: The reestablishment of the |
| Monroe | | unhealthy when you acquired your | | in-force status of a policy, the term of |
| Trenton | | policy, and your health has now | | which has expired or will expire |
| Williamsport | | improved, it might be time to shop for | | unless it is renewed. |
| Los Angeles | | a new policy, as your rates are likely | | |
| Columbus | | to be lower. | | Paid-In Surplus: Surplus paid in by |
| Stockton | | | | stockholders, as contrasted with |
| Las Cruces | | Individuals who have 30-year | | surplus earned through the |
| Flint | | mortgages might want to consider a | | operations of a business. |
| Plano | | 30-year term to ensure that the house | | |
| St. Louis | | is protected throughout the period of | | Interstate Carrier: A transportation |
| Stockton | | the loan. | | company which does business |
| Fairfax | | | | across state lines. |
| Denton | | If you decide to cancel your policy | | |
| Berkeley | | (after acquiring new coverage) | | Stock Option Plan: Surviving |
| Huntsville | | outside of the 30-day period, you may | | stockholders have the option to |
| St. Joseph | | have to pay a fee or penalty. | | purchase or not purchase the shares |
| Redlands | | However, you may still save money | | of a deceased stockholder. |
| Whittier | | after paying the fee if your new policy | | |
| Madison | | affords you significant savings. So | | Equity: The money value of an |
| Lawrenceville | | while it is best to wait until your | | insurance company that is over and |
| Hickory | | receive your renewal notice, you CAN | | above its liabilities. Liabilities include |
| Mobile | | cancel your policy at any time. | | almost all of its reserves. |
