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| Bakersfield | | People who are trying to quit | | Federal Deposit Insurance |
| Marietta | | smoking, for example, might be best | | Corporation (FDIC): An agency of the |
| Bronx | | suited purchasing a shorter term (and | | federal government which insures |
| Torrance | | then replacing it with a longer term | | bank deposits up to a stated |
| Carlsbad | | policy when they qualify for | | maximum. |
| Orlando | | non-tobacco prices). | | |
| Lafayette | | | | Appraisal: An evaluation of property |
| Syracuse | | If you decide to cancel your policy | | made to ascertain either the |
| Lorain | | (after acquiring new coverage) | | appropriate amount of insurance to |
| St. Paul | | outside of the 30-day period, you may | | be written or the amount of loss to be |
| New Port Richey | | have to pay a fee or penalty. | | paid. |
| Fort Wayne | | However, you may still save money | | |
| Malden | | after paying the fee if your new policy | | Tabular Plan: A retrospective rating |
| Baltimore | | affords you significant savings. So | | plan, which uses tables to furnish the |
| Jacksonville | | while it is best to wait until your | | various values for the rating formula. |
| Florissant | | receive your renewal notice, you CAN | | |
| Salt Lake City | | cancel your policy at any time. | | Sherman Antitrust Act: An antitrust law |
| Belleville | | | | from which insurance is exempted to |
| Peoria | | Make sure you have a new policy in | | the extent that it is regulated by state |
| Tallahassee | | place before you cancel your old one | | law. |
| Sunnyvale | | to avoid a lapse in coverage. This will | | |
| Chandler | | also prevent having to figure out the | | Exclusions: Specific situations, |
| Overland Park | | amount of any unused premium that is | | conditions, or circumstances that are |
| Savannah | | due to you from your old insurance | | listed in the contract as being not |
| Union | | company, or having to spar with your | | covered. |
| Tallahassee | | agent about exactly when your policy | | |
| Torrance | | was cancelled and how much they | | Amendment: A formal document |
| West Palm Beach | | owe you. | | which corrects or revises an |
| Austin | | | | insurance master policy. |
| West Palm Beach | | Shopping around is the best way to | | |
| Knoxville | | save money on your insurance. | | Line of Business: The classification of |
| Savannah | | | | business as utilized in the insurance |
| Honolulu | | Healthy people have the best | | industry, e.g., Fire, Allied Lines and |
| Muncie | | mortality risks and thus are much | | Homeowners. |
| Vero Beach | | cheaper for companies to insure. This | | |
| Hickory | | translates into lower rates for the | | |
| Long Beach | | Super Preferred customer than | | |
| Lorain | | someone with higher risk factors such | | |
| Wichita Falls | | as a heart condition, cancer or | | |
| Irvine | | diabetes. Conversely, if you were | | |
| Cambridge | | unhealthy when you acquired your | | |
| Syracuse | | policy, and your health has now | | |
| Corona | | improved, it might be time to shop for | | |
| Irving | | a new policy, as your rates are likely | | |
| Columbus | | to be lower. | | |
