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| Cypress | | The quickest and easiest way to | | Claim Expense: The expense of |
| Wichita Falls | | shop for new insurance is by | | adjusting a claim, such as |
| Billings | | comparing rates at InsWebs online | | investigation and attorneys' fees. It |
| Escondido | | marketplace. If you do it the | | does not include the cost of the claim |
| Duluth | | old-fashioned way (by calling or | | itself. |
| Morristown | | visiting multiple agents or insurance | | |
| Fort Myers | | companies) it could take up a huge | | Underinsurance: A condition in which |
| Racine | | chunk of your time, which no one | | not enough insurance is carried to |
| Longview | | wants or needs. By completing | | cover the insurable value. |
| Lorain | | InsWebs online application, you will | | |
| Denton | | have rates to compare to your old | | Convention Values: Values assigned |
| Overland Park | | ones within minutes! | | to insurers' assets in the convention |
| Boise | | | | blank. |
| Mesquite | | Healthy people have the best | | |
| Lansing | | mortality risks and thus are much | | Tickler: A reminder system used to |
| Corpus Christi | | cheaper for companies to insure. This | | call an individual's attention to actions |
| Ann Arbor | | translates into lower rates for the | | that must be taken at a future point in |
| San Francisco | | Super Preferred customer than | | time. |
| Anaheim | | someone with higher risk factors such | | |
| Decatur | | as a heart condition, cancer or | | Examiner: An employee assigned by |
| Cypress | | diabetes. Conversely, if you were | | the state insurance department to |
| Tacoma | | unhealthy when you acquired your | | audit insurers' records. |
| Albany | | policy, and your health has now | | |
| Omaha | | improved, it might be time to shop for | | Accident Year Experience: Measures |
| Acworth | | a new policy, as your rates are likely | | premiums and losses relating to |
| Charleston | | to be lower. | | accidents which occurred during a |
| Salt Lake City | | | | 12-month period. |
| Fort Worth | | The best time to switch policies is | | |
| Houston | | within one month of receiving your | | Losses Outstanding: A summary |
| Jonesboro | | policy renewal from your current | | statement prepared by Property, Life, |
| Union | | insurer. You can typically cancel your | | and Liability insurers showing claims |
| Zanesville | | policy without any fees or penalties if | | not yet settled. |
| Billings | | you act within this time period. | | |
| Johnson City | | | | Legislative Risk: A risk faced by |
| Boynton Beach | | | | investors whereby changes in tax |
| Lincoln | | | | laws can result in adverse effects on |
| Anaheim | | | | the individual's investment results. |
