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| Johnstown | | Make sure you have a new policy in | | Provisions: Statements contained in |
| Arlington | | place before you cancel your old one | | an insurance policy which explain the |
| Lawrenceville | | to avoid a lapse in coverage. This will | | benefits, conditions and other |
| Vancouver | | also prevent having to figure out the | | features of the insurance contract. |
| Gaithersburg | | amount of any unused premium that is | | |
| Fort Collins | | due to you from your old insurance | | Authorized Insurer: An insurer |
| Toledo | | company, or having to spar with your | | authorized by the state to transact |
| Gaithersburg | | agent about exactly when your policy | | business in that state for specific |
| Raleigh | | was cancelled and how much they | | types of insurance. |
| Jackson | | owe you. | | |
| Birmingham | | | | Line of Business: The classification of |
| Franklin | | We offer quotes for auto insurance, | | business as utilized in the insurance |
| Santa Monica | | life insurance, homeowners | | industry, e.g., Fire, Allied Lines and |
| Macon | | insurance, health insurance, term life | | Homeowners. |
| Anderson | | insurance and more. | | |
| Jacksonville | | | | Lapsed Policy: One which has been |
| Billings | | At InsWeb, you can compare free | | allowed to expire because of |
| Livonia | | online insurance quotes from many of | | nonpayment of premiums. |
| Delray Beach | | the nations leading insurance | | |
| Lakeland | | companies. | | Index Bureau Experience: A measure |
| Lowell | | | | of losses relating to claims reported |
| St. Louis | | People who are trying to quit | | through a claim office during a |
| Dubuque | | smoking, for example, might be best | | 12-month period. |
| Sioux Falls | | suited purchasing a shorter term (and | | |
| Winter Haven | | then replacing it with a longer term | | Equity: The money value of an |
| New Orleans | | policy when they qualify for | | insurance company that is over and |
| Bellevue | | non-tobacco prices). | | above its liabilities. Liabilities include |
| Canton | | | | almost all of its reserves. |
| Delray Beach | | Healthy people have the best | | |
| Southfield | | mortality risks and thus are much | | Basic Rate: The manual rate from |
| Abilene | | cheaper for companies to insure. This | | which discounts are taken or to which |
| Kansas City | | translates into lower rates for the | | charges are added to reflect the |
| Hendersonville | | Super Preferred customer than | | individual circumstances of a risk. |
| Lima | | someone with higher risk factors such | | |
| Buffalo | | as a heart condition, cancer or | | |
| Cranston | | diabetes. Conversely, if you were | | |
| Oakland | | unhealthy when you acquired your | | |
| Oakland | | policy, and your health has now | | |
| Lafayette | | improved, it might be time to shop for | | |
| Huntington | | a new policy, as your rates are likely | | |
| Spokane | | to be lower. | | |
