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| Greeley | | Individuals who have 30-year | | Captive Agent: One who sells |
| Columbia | | mortgages might want to consider a | | insurance for only one company as |
| Wilmington | | 30-year term to ensure that the house | | opposed to an agent who represents |
| Stuart | | is protected throughout the period of | | several companies. |
| Greeley | | the loan. | | |
| Orange | | | | Substandard Risk: A risk not |
| Warwick | | The best time to switch policies is | | measuring up to underwriting |
| Harlingen | | within one month of receiving your | | standards. It may still be written but |
| Vancouver | | policy renewal from your current | | usually at a surcharged premium. |
| Vero Beach | | insurer. You can typically cancel your | | |
| St. Paul | | policy without any fees or penalties if | | Claim: A demand made by the |
| Dallas | | you act within this time period. | | insured, or the insured's beneficiary, |
| Mountain View | | | | for payment of the benefits provided |
| Modesto | | If you decide to cancel your policy | | by the contract. |
| Montgomery | | (after acquiring new coverage) | | |
| Bethlehem | | outside of the 30-day period, you may | | Net Retention: The amount of |
| Cedar Rapids | | have to pay a fee or penalty. | | insurance that a ceding company |
| Pensacola | | However, you may still save money | | keeps for its own account and does |
| Delray Beach | | after paying the fee if your new policy | | not reinsure. |
| Clinton Township | | affords you significant savings. So | | |
| Vineland | | while it is best to wait until your | | Broker of Record: A broker who has |
| El Paso | | receive your renewal notice, you CAN | | been designated to handle certain |
| Little Rock | | cancel your policy at any time. | | insurance contracts for the |
| Lexington | | | | policyholder. |
| Torrance | | At InsWeb, you can compare free | | |
| Toledo | | online insurance quotes from many of | | Insurance Examiner: The |
| Evanston | | the nations leading insurance | | representative of a state insurance |
| Valdosta | | companies. | | department assigned to participate in |
| Indianapolis | | | | the official audit and examination of |
| Columbus | | We offer quotes for auto insurance, | | an insurer. |
| Fayetteville | | life insurance, homeowners | | |
| Wichita | | insurance, health insurance, term life | | Foreign Insurer: An insurer domiciled |
| Wilmington | | insurance and more. | | in a state of the United States other |
| Carlsbad | | | | than the one in which the insured's |
| Huntington | | | | insurance is written. |
