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| Cherry Hill | | The best time to switch policies is | | Approved: The condition which exists |
| Salt Lake City | | within one month of receiving your | | when the person or object to be |
| Long Beach | | policy renewal from your current | | insured meets the underwriting |
| New Port Richey | | insurer. You can typically cancel your | | standards of the insurer. |
| Lakeland | | policy without any fees or penalties if | | |
| Bethlehem | | you act within this time period. | | Mutualization: The process of |
| Youngstown | | | | converting a stock insurer to a mutual |
| Edmond | | At InsWeb, you can compare free | | insurer, accomplished by having the |
| Buffalo | | online insurance quotes from many of | | insurer buy stock and retire it. |
| Baltimore | | the nations leading insurance | | |
| Lancaster | | companies. | | Notice of Cancellation: Written notice |
| Arlington | | | | by an insurer of intent to cancel |
| Union | | We offer quotes for auto insurance, | | insurance, or written notice by an |
| Winter Haven | | life insurance, homeowners | | insured requesting cancellation. |
| Santa Barbara | | insurance, health insurance, term life | | |
| Carlsbad | | insurance and more. | | Open Rating: A system whereby a |
| Malden | | | | state allows an insurer to use rates |
| York | | People who are trying to quit | | without prior approval. |
| Chula Vista | | smoking, for example, might be best | | |
| Warwick | | suited purchasing a shorter term (and | | Business: In Property, Liability, and |
| Fort Smith | | then replacing it with a longer term | | Health lines, it usually refers to the |
| Pueblo | | policy when they qualify for | | volume of premiums. |
| Long Beach | | non-tobacco prices). | | |
| Metairie | | | | Partial Loss: A loss covered by an |
| Oceanside | | Healthy people have the best | | insurance policy which does not |
| Waco | | mortality risks and thus are much | | completely destroy or render |
| Providence | | cheaper for companies to insure. This | | worthless the insured property. |
| Fort Collins | | translates into lower rates for the | | |
| Clearwater | | Super Preferred customer than | | Capital Sum: The maximum lump sum |
| Baton Rouge | | someone with higher risk factors such | | payable in the event of accidental |
| Quincy | | as a heart condition, cancer or | | death or dismemberment. |
| Corona | | diabetes. Conversely, if you were | | |
| Hattiesburg | | unhealthy when you acquired your | | We/Us/Our: These words are used to |
| Council Bluffs | | policy, and your health has now | | refer to the insurer in many of the |
| Beaumont | | improved, it might be time to shop for | | modernized/personalized policy |
| North Hollywood | | a new policy, as your rates are likely | | forms recently introduced. |
| Manchester | | to be lower. | | |
