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| Fresno | | Shopping around is the best way to | | Retrospective Premium: The final |
| Atlanta | | save money on your insurance. | | premium in a retrospective rating |
| Jersey City | | | | plan. See Retrospective Rating. |
| Johnson City | | Healthy people have the best | | |
| Lake Charles | | mortality risks and thus are much | | Insolvent Insurer: An insurer which is |
| Greeley | | cheaper for companies to insure. This | | unable to meet its financial |
| Tyler | | translates into lower rates for the | | obligations. |
| Sioux Falls | | Super Preferred customer than | | |
| Tallahassee | | someone with higher risk factors such | | Incurred Expense: Expenses not yet |
| Frederick | | as a heart condition, cancer or | | paid. Can also include paid |
| Toledo | | diabetes. Conversely, if you were | | expenses in some accounting |
| Conroe | | unhealthy when you acquired your | | systems. |
| Schaumburg | | policy, and your health has now | | |
| Greenville | | improved, it might be time to shop for | | Net Loss: The amount of loss |
| Alexandria | | a new policy, as your rates are likely | | sustained by an insurer after giving |
| Palm Harbor | | to be lower. | | effect to all applicable reinsurance, |
| Trenton | | | | salvage, and subrogation recoveries. |
| Dubuque | | Life insurance, specifically Term Life, | | |
| Jackson | | is arguably one of the best values in | | Exclusions: Specific situations, |
| Gainesville | | the entire financial services arena. | | conditions, or circumstances that are |
| Madison | | Where else can you go and get | | listed in the contract as being not |
| Reno | | hundreds of thousands of dollars in | | covered. |
| Texarkana | | protection for literally pennies per | | |
| Cranston | | day? Rates for Term Life insurance | | Losses Outstanding: A summary |
| Sacramento | | remain at all-time lows, and now is the | | statement prepared by Property, Life, |
| Greensboro | | time to lock in the best prices. | | and Liability insurers showing claims |
| Cleveland | | | | not yet settled. |
| Tulsa | | If you decide to cancel your policy | | |
| Florissant | | (after acquiring new coverage) | | Claim Expense: The expense of |
| Grand Prairie | | outside of the 30-day period, you may | | adjusting a claim, such as |
| Grand Prairie | | have to pay a fee or penalty. | | investigation and attorneys' fees. It |
| Jersey City | | However, you may still save money | | does not include the cost of the claim |
| Bakersfield | | after paying the fee if your new policy | | itself. |
| Muncie | | affords you significant savings. So | | |
| North Hollywood | | while it is best to wait until your | | |
| Beaumont | | receive your renewal notice, you CAN | | |
| Tyler | | cancel your policy at any time. | | |
