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| Escondido | | People who are trying to quit | | Independent Contractor: One who |
| Mobile | | smoking, for example, might be best | | agrees to perform according to a |
| Knoxville | | suited purchasing a shorter term (and | | contract and who is not an employee. |
| Palm Harbor | | then replacing it with a longer term | | |
| Bayside | | policy when they qualify for | | Losses Outstanding: A summary |
| Muncie | | non-tobacco prices). | | statement prepared by Property, Life, |
| Harrisburg | | | | and Liability insurers showing claims |
| Richmond | | The quickest and easiest way to | | not yet settled. |
| Elkhart | | shop for new insurance is by | | |
| Newport Beach | | comparing rates at InsWebs online | | Countersignature: The signature of a |
| Lawton | | marketplace. If you do it the | | licensed agent or representative on a |
| Topeka | | old-fashioned way (by calling or | | policy. |
| Santa Ana | | visiting multiple agents or insurance | | |
| Waco | | companies) it could take up a huge | | Monoline Policy: Any insurance |
| Newark | | chunk of your time, which no one | | coverage written as a single line |
| Newburgh | | wants or needs. By completing | | policy. Contrast with Multiple Line or |
| Alpharetta | | InsWebs online application, you will | | Package policy. |
| Oakland | | have rates to compare to your old | | |
| Baton Rouge | | ones within minutes! | | Cash Flow Underwriting: The use of |
| Grand Prairie | | | | rating and premium collection |
| Riverside | | Make sure you have a new policy in | | techniques by insurance companies |
| Warren | | place before you cancel your old one | | to maximize interest earnings on |
| Clarksville | | to avoid a lapse in coverage. This will | | premiums. |
| Killeen | | also prevent having to figure out the | | |
| Fredericksburg | | amount of any unused premium that is | | Broker of Record: A broker who has |
| Hemet | | due to you from your old insurance | | been designated to handle certain |
| Redlands | | company, or having to spar with your | | insurance contracts for the |
| Long Beach | | agent about exactly when your policy | | policyholder. |
| Winter Park | | was cancelled and how much they | | |
| Denver | | owe you. | | American Risk and Insurance |
| Billings | | | | Association: An association of |
| Riverside | | We offer quotes for auto insurance, | | insurance educators and others |
| Santa Clara | | life insurance, homeowners | | interested in insurance study and |
| Dayton | | insurance, health insurance, term life | | research. |
| Augusta | | insurance and more. | | |
