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| Jacksonville | | Shopping around is the best way to | | Agency Company: An insurance |
| Texarkana | | save money on your insurance. | | company that produces business |
| Fort Wayne | | | | through an agency network. Contrast |
| Santa Ana | | At InsWeb, you can compare free | | with Direct Writer. |
| White Plains | | online insurance quotes from many of | | |
| Syracuse | | the nations leading insurance | | Agent's Balance: A periodic |
| Madison | | companies. | | statement of the sums due and owed |
| Boston | | | | to an agent under the agent's contract |
| Dayton | | The best time to switch policies is | | with an insurer. |
| Malden | | within one month of receiving your | | |
| Independence | | policy renewal from your current | | Admitted Company: An insurance |
| Lansing | | insurer. You can typically cancel your | | company authorized and licensed to |
| Cranston | | policy without any fees or penalties if | | do business in a given state. |
| Wichita | | you act within this time period. | | |
| Gulfport | | | | Calendar Year Experience: This |
| Bronx | | Healthy people have the best | | measures the premiums and losses |
| Muskegon | | mortality risks and thus are much | | entered on accounting records during |
| Reading | | cheaper for companies to insure. This | | the 12-month calendar. |
| Newburgh | | translates into lower rates for the | | |
| Gainesville | | Super Preferred customer than | | Exclusion: A contractual provision that |
| Longview | | someone with higher risk factors such | | denies coverage for certain perils, |
| Ventura | | as a heart condition, cancer or | | persons, property, or locations. |
| Harrisburg | | diabetes. Conversely, if you were | | |
| Thousand Oaks | | unhealthy when you acquired your | | Monoline Policy: Any insurance |
| Newburgh | | policy, and your health has now | | coverage written as a single line |
| Virginia Beach | | improved, it might be time to shop for | | policy. Contrast with Multiple Line or |
| Greensboro | | a new policy, as your rates are likely | | Package policy. |
| Gaithersburg | | to be lower. | | |
| Stamford | | | | Criticism: A correction suggested by a |
| Tempe | | Life insurance, specifically Term Life, | | rating or auditing bureau to an insurer. |
| Eugene | | is arguably one of the best values in | | |
| Oakland | | the entire financial services arena. | | Cash Flow Underwriting: The use of |
| Philadelphia | | Where else can you go and get | | rating and premium collection |
| Minneapolis | | hundreds of thousands of dollars in | | techniques by insurance companies |
| Arlington | | protection for literally pennies per | | to maximize interest earnings on |
| Dothan | | day? Rates for Term Life insurance | | premiums. |
| Milwaukee | | remain at all-time lows, and now is the | | |
| Anchorage | | time to lock in the best prices. | | |
