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| Wichita | | Make sure you have a new policy in | | Submitted Business: Applications for |
| Orange | | place before you cancel your old one | | insurance submitted to an insurer but |
| Baltimore | | to avoid a lapse in coverage. This will | | not yet acted upon by it. |
| Santa Clara | | also prevent having to figure out the | | |
| Anchorage | | amount of any unused premium that is | | Replacement: A new policy written to |
| San Francisco | | due to you from your old insurance | | take the place of one currently in force. |
| San Bernardino | | company, or having to spar with your | | |
| Yonkers | | agent about exactly when your policy | | Appraisal: An evaluation of property |
| Lakewood | | was cancelled and how much they | | made to ascertain either the |
| Shreveport | | owe you. | | appropriate amount of insurance to |
| Rockville | | | | be written or the amount of loss to be |
| Stockton | | The quickest and easiest way to | | paid. |
| Boynton Beach | | shop for new insurance is by | | |
| Fort Wayne | | comparing rates at InsWebs online | | Calendar Year Experience: This |
| Hattiesburg | | marketplace. If you do it the | | measures the premiums and losses |
| Torrance | | old-fashioned way (by calling or | | entered on accounting records during |
| Boca Raton | | visiting multiple agents or insurance | | the 12-month calendar. |
| Sioux City | | companies) it could take up a huge | | |
| Cincinnati | | chunk of your time, which no one | | Underwriters Laboratories, Inc. (UL): A |
| Aurora | | wants or needs. By completing | | testing laboratory for manufactured |
| Decatur | | InsWebs online application, you will | | items to determine their safety |
| North Hollywood | | have rates to compare to your old | | propensities. |
| Lawrenceville | | ones within minutes! | | |
| Belleville | | | | Absolute Assignment: Assignment by |
| Lincoln | | People who are trying to quit | | a policy owner of all control of and |
| Houston | | smoking, for example, might be best | | rights in the policy to a third party. |
| Little Rock | | suited purchasing a shorter term (and | | |
| Virginia Beach | | then replacing it with a longer term | | Policy Anniversary: The anniversary |
| Springfield | | policy when they qualify for | | of the date of issue of a policy as |
| Reading | | non-tobacco prices). | | shown in the policy declarations. |
