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| Palo Alto | | People who are trying to quit | | FICA. Federal Insurance Contributions |
| Anchorage | | smoking, for example, might be best | | Act: A law imposing a payroll tax to |
| Downey | | suited purchasing a shorter term (and | | assist in funding Social Security |
| South Bend | | then replacing it with a longer term | | benefits. |
| Jasper | | policy when they qualify for | | |
| Kansas City | | non-tobacco prices). | | Divided Cover: The placing of |
| Santa Barbara | | | | insurance on a given subject or |
| Columbus | | Make sure you have a new policy in | | object with more than one insurer. |
| Metairie | | place before you cancel your old one | | |
| South Bend | | to avoid a lapse in coverage. This will | | Tabular Plan: A retrospective rating |
| Norwalk | | also prevent having to figure out the | | plan, which uses tables to furnish the |
| Morristown | | amount of any unused premium that is | | various values for the rating formula. |
| Cambridge | | due to you from your old insurance | | |
| Sarasota | | company, or having to spar with your | | Exclusion: A contractual provision that |
| Macon | | agent about exactly when your policy | | denies coverage for certain perils, |
| Manchester | | was cancelled and how much they | | persons, property, or locations. |
| Mobile | | owe you. | | |
| Stuart | | | | Liabilities: Money owed or expected |
| Modesto | | Life insurance, specifically Term Life, | | to be owed. Insurance company |
| Franklin | | is arguably one of the best values in | | financial statements, for instance, |
| Hartford | | the entire financial services arena. | | show assets and liabilities. |
| Bradenton | | Where else can you go and get | | |
| Beaumont | | hundreds of thousands of dollars in | | Leasehold: An agreement which |
| Greeley | | protection for literally pennies per | | gives a person the right to use and |
| Albuquerque | | day? Rates for Term Life insurance | | occupy property. |
| Columbus | | remain at all-time lows, and now is the | | |
| Providence | | time to lock in the best prices. | | Losses Outstanding: A summary |
| Fullerton | | | | statement prepared by Property, Life, |
| Cranston | | The quickest and easiest way to | | and Liability insurers showing claims |
| Fullerton | | shop for new insurance is by | | not yet settled. |
| Gaithersburg | | comparing rates at InsWebs online | | |
| Waco | | marketplace. If you do it the | | Accident: An unplanned event, |
| Newark | | old-fashioned way (by calling or | | unexpected and undesigned, which |
| Brooklyn | | visiting multiple agents or insurance | | occurs suddenly and at a definite |
| Union | | companies) it could take up a huge | | place. |
| Birmingham | | chunk of your time, which no one | | |
| Edmond | | wants or needs. By completing | | |
| Rome | | InsWebs online application, you will | | |
| Detroit | | have rates to compare to your old | | |
| Pensacola | | ones within minutes! | | |
