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| Nashua | | The best time to switch policies is | | Buy-Back" Deductible: A deductible |
| Longwood | | within one month of receiving your | | which may be eliminated for an |
| Bay City | | policy renewal from your current | | additional premium in order to |
| Melbourne | | insurer. You can typically cancel your | | provide "first-dollar" coverage. |
| Franklin | | policy without any fees or penalties if | | |
| Daytona Beach | | you act within this time period. | | Insolvent Insurer: An insurer which is |
| Denver | | | | unable to meet its financial |
| Huntsville | | People who are trying to quit | | obligations. |
| Independence | | smoking, for example, might be best | | |
| Longview | | suited purchasing a shorter term (and | | Short-Term Policy: A policy written for |
| Stockton | | then replacing it with a longer term | | a period of less time than is normal for |
| St. Paul | | policy when they qualify for | | that type of policy. |
| Cookeville | | non-tobacco prices). | | |
| Beaumont | | | | Effective Date: The date on which the |
| Reno | | We offer quotes for auto insurance, | | protection of an insurance policy or |
| Allentown | | life insurance, homeowners | | bond goes into effect. |
| Fort Worth | | insurance, health insurance, term life | | |
| Poughkeepsie | | insurance and more. | | War Risk Insurance: Insurance |
| Tempe | | | | covering damage caused by war. |
| Coral Springs | | Healthy people have the best | | Most often written by Ocean Marine |
| Sioux City | | mortality risks and thus are much | | Insurance companies covering |
| Anderson | | cheaper for companies to insure. This | | vessels. |
| Ocala | | translates into lower rates for the | | |
| Waco | | Super Preferred customer than | | Cash Flow Underwriting: The use of |
| Dubuque | | someone with higher risk factors such | | rating and premium collection |
| Clearwater | | as a heart condition, cancer or | | techniques by insurance companies |
| Duluth | | diabetes. Conversely, if you were | | to maximize interest earnings on |
| Fort Myers | | unhealthy when you acquired your | | premiums. |
| Lakewood | | policy, and your health has now | | |
| Evanston | | improved, it might be time to shop for | | Incurred Expense: Expenses not yet |
| Charlotte | | a new policy, as your rates are likely | | paid. Can also include paid |
| Lakewood | | to be lower. | | expenses in some accounting |
| Reno | | | | systems. |
| Baltimore | | At InsWeb, you can compare free | | |
| Santa Monica | | online insurance quotes from many of | | |
| Kingsport | | the nations leading insurance | | |
| Littleton | | companies. | | |
