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| Canton | | At InsWeb, you can compare free | | Cash Flow Underwriting: The use of |
| York | | online insurance quotes from many of | | rating and premium collection |
| Billings | | the nations leading insurance | | techniques by insurance companies |
| Lawton | | companies. | | to maximize interest earnings on |
| Bethlehem | | | | premiums. |
| Scranton | | Individuals who have 30-year | | |
| Johnstown | | mortgages might want to consider a | | Professional Insurance Agents |
| Pensacola | | 30-year term to ensure that the house | | Association: A trade association of |
| Jackson | | is protected throughout the period of | | mutual insurance agents. |
| Columbus | | the loan. | | |
| Sioux City | | | | Substandard Risk: A risk not |
| Fort Smith | | Make sure you have a new policy in | | measuring up to underwriting |
| Lowell | | place before you cancel your old one | | standards. It may still be written but |
| Sacramento | | to avoid a lapse in coverage. This will | | usually at a surcharged premium. |
| Cookeville | | also prevent having to figure out the | | |
| Greensboro | | amount of any unused premium that is | | Commingling: An illegal practice |
| Sterling Heights | | due to you from your old insurance | | which occurs when an agent mixes |
| Valdosta | | company, or having to spar with your | | personal funds with the insured's or |
| Woodbridge | | agent about exactly when your policy | | insurer's funds. |
| Tuscaloosa | | was cancelled and how much they | | |
| Syracuse | | owe you. | | Agency Contract (or Agreement): The |
| Winter Park | | | | document which establishes the legal |
| Fort Collins | | While some companies raise their | | relationship between an agent and an |
| Columbia | | prices based on your actual age, | | insurer. |
| Fresno | | most companies increase the price of | | |
| Pensacola | | their policies six months before your | | Theory of Probability: The |
| Amarillo | | birthday. Its a term called Age | | mathematical principle upon which |
| Winter Park | | Nearest in the industry, and that | | insurance is based. |
| Bronx | | half-year price increase could really | | |
| Miami | | add up over a 20-year term policy. As | | Burning Ratio: The ratio of losses |
| Boca Raton | | above, the quicker you purchase your | | suffered to the amount of insurance in |
| Coral Springs | | policy the better. | | effect. |
