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| Miami | | While some companies raise their | | Deficit Carried Forward: The transfer |
| Nashville | | prices based on your actual age, | | of a debit balance from one |
| Fort Collins | | most companies increase the price of | | accounting period to another. |
| Fort Lauderdale | | their policies six months before your | | |
| Hemet | | birthday. Its a term called Age | | Gross Line: The total limit accepted |
| Gulfport | | Nearest in the industry, and that | | by an insurer on an individual risk, |
| Portland | | half-year price increase could really | | including the amount to be reinsured. |
| Bethlehem | | add up over a 20-year term policy. As | | |
| Baltimore | | above, the quicker you purchase your | | Mutualization: The process of |
| Albany | | policy the better. | | converting a stock insurer to a mutual |
| Toledo | | | | insurer, accomplished by having the |
| Roanoke | | If you decide to cancel your policy | | insurer buy stock and retire it. |
| Wichita | | (after acquiring new coverage) | | |
| Colorado Springs | | outside of the 30-day period, you may | | Will Ride: Coverage that remains in |
| Franklin | | have to pay a fee or penalty. | | effect regardless of the geographical |
| Malden | | However, you may still save money | | location in which a loss occurs. |
| Cleveland | | after paying the fee if your new policy | | |
| Sarasota | | affords you significant savings. So | | Agent's Balance: A periodic |
| Tucson | | while it is best to wait until your | | statement of the sums due and owed |
| Sterling Heights | | receive your renewal notice, you CAN | | to an agent under the agent's contract |
| Fort Wayne | | cancel your policy at any time. | | with an insurer. |
