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| Hollywood | | Make sure you have a new policy in | | Broker-Agent: One acting as an agent |
| Glendale | | place before you cancel your old one | | of one or more insurers and as a |
| Lafayette | | to avoid a lapse in coverage. This will | | broker in dealing with one or more |
| Schenectady | | also prevent having to figure out the | | other insurers. |
| Savannah | | amount of any unused premium that is | | |
| Washington | | due to you from your old insurance | | Buy-Back" Deductible: A deductible |
| Garland | | company, or having to spar with your | | which may be eliminated for an |
| Santa Rosa | | agent about exactly when your policy | | additional premium in order to |
| Chesapeake | | was cancelled and how much they | | provide "first-dollar" coverage. |
| Baltimore | | owe you. | | |
| Albuquerque | | | | Admitted Company: An insurance |
| Berkeley | | The quickest and easiest way to | | company authorized and licensed to |
| Sarasota | | shop for new insurance is by | | do business in a given state. |
| Durham | | comparing rates at InsWebs online | | |
| Springfield | | marketplace. If you do it the | | Approved: The condition which exists |
| Fort Myers | | old-fashioned way (by calling or | | when the person or object to be |
| Bradenton | | visiting multiple agents or insurance | | insured meets the underwriting |
| Cranston | | companies) it could take up a huge | | standards of the insurer. |
| Cranston | | chunk of your time, which no one | | |
| Peoria | | wants or needs. By completing | | Premium Receipt: The receipt given |
| Roanoke | | InsWebs online application, you will | | a policy owner for the payment of a |
| Reading | | have rates to compare to your old | | premium. |
| St. Louis | | ones within minutes! | | |
| Palm Desert | | | | Equity: The money value of an |
| Fremont | | Everyone has different needs, and | | insurance company that is over and |
| Cookeville | | not one size fits all when it comes to | | above its liabilities. Liabilities include |
| Boulder | | term life insurance. While it may make | | almost all of its reserves. |
| Belleville | | sense for people in their 30s and 40s | | |
| Burbank | | to secure a 20-year term length, a | | Interstate Carrier: A transportation |
| Jacksonville | | 10-year term might be more | | company which does business |
| Augusta | | appropriate for someone nearing | | across state lines. |
| Independence | | retirement. | | |
| Portland | | | | Cash Flow Underwriting: The use of |
| Grand Prairie | | Individuals who have 30-year | | rating and premium collection |
| Quincy | | mortgages might want to consider a | | techniques by insurance companies |
| Columbus | | 30-year term to ensure that the house | | to maximize interest earnings on |
| Henderson | | is protected throughout the period of | | premiums. |
| Lubbock | | the loan. | | |
