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| Bakersfield | | Make sure you have a new policy in | | Deficit Carried Forward: The transfer |
| Canton | | place before you cancel your old one | | of a debit balance from one |
| Pittsburgh | | to avoid a lapse in coverage. This will | | accounting period to another. |
| Ventura | | also prevent having to figure out the | | |
| Kalamazoo | | amount of any unused premium that is | | We/Us/Our: These words are used to |
| Vancouver | | due to you from your old insurance | | refer to the insurer in many of the |
| Houma | | company, or having to spar with your | | modernized/personalized policy |
| Hampton | | agent about exactly when your policy | | forms recently introduced. |
| Staten Island | | was cancelled and how much they | | |
| Jersey City | | owe you. | | Policy Period (or Term): The period |
| Fullerton | | | | during which the policy contract |
| Flint | | At InsWeb, you can compare free | | affords protection, e.g., six months or |
| Harlingen | | online insurance quotes from many of | | one or three years. |
| Torrance | | the nations leading insurance | | |
| Allentown | | companies. | | Overlapping Insurance: Coverage |
| Littleton | | | | from two or more policies or insurers |
| Palm Desert | | Why not take advantage of current | | which duplicates coverage of certain |
| Tucson | | low prices? Many auto insurance | | risks. |
| Hendersonville | | consumers are becoming educated | | |
| Warwick | | on other companies, plans, and rates | | Open Rating: A system whereby a |
| Costa Mesa | | that are available to them; ones that | | state allows an insurer to use rates |
| Bronx | | could afford them significant savings | | without prior approval. |
| Conroe | | on their auto insurance. | | |
| Chula Vista | | | | Loss Frequency: The number of times |
| Santa Ana | | Individuals who have 30-year | | a loss occurs over a specific period |
| High Point | | mortgages might want to consider a | | of time. |
| Cypress | | 30-year term to ensure that the house | | |
| Lafayette | | is protected throughout the period of | | Index Bureau Experience: A measure |
| Spokane | | the loan. | | of losses relating to claims reported |
| South Bend | | | | through a claim office during a |
| Texarkana | | Everyone has different needs, and | | 12-month period. |
| Johnstown | | not one size fits all when it comes to | | |
| Williamsport | | term life insurance. While it may make | | Not Taken: Policies applied for and |
| Quincy | | sense for people in their 30s and 40s | | issued but rejected by the proposed |
| Hemet | | to secure a 20-year term length, a | | owner and not paid for. |
| Belleville | | 10-year term might be more | | |
| Hot Springs | | appropriate for someone nearing | | |
| Toms River | | retirement. | | |
