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| Tacoma | | Make sure you have a new policy in | | Deficit Carried Forward: The transfer |
| Bellevue | | place before you cancel your old one | | of a debit balance from one |
| Salt Lake City | | to avoid a lapse in coverage. This will | | accounting period to another. |
| Johnstown | | also prevent having to figure out the | | |
| Fresno | | amount of any unused premium that is | | Interline Endorsement: Commercial |
| Schaumburg | | due to you from your old insurance | | endorsements that apply, or could |
| Los Angeles | | company, or having to spar with your | | apply, to more than one coverage |
| Richmond | | agent about exactly when your policy | | part of a package policy. |
| Spartanburg | | was cancelled and how much they | | |
| Chandler | | owe you. | | Policywriting Agent: An agent who has |
| Delray Beach | | | | the authority to prepare and effect an |
| Fairfax | | Why not take advantage of current | | insurer's policy. |
| Pittsburgh | | low prices? Many auto insurance | | |
| Aurora | | consumers are becoming educated | | Premium Notice: A form notice from |
| Santa Monica | | on other companies, plans, and rates | | an insurer or agency to a policy |
| Tulsa | | that are available to them; ones that | | owner that a premium will be due on a |
| Kalamazoo | | could afford them significant savings | | given date. |
| Dubuque | | on their auto insurance. | | |
| Springfield | | | | Gross Line: The total limit accepted |
| Peoria | | Healthy people have the best | | by an insurer on an individual risk, |
| Columbia | | mortality risks and thus are much | | including the amount to be reinsured. |
| Westbury | | cheaper for companies to insure. This | | |
| Richmond | | translates into lower rates for the | | Approved: The condition which exists |
| Waco | | Super Preferred customer than | | when the person or object to be |
| Billings | | someone with higher risk factors such | | insured meets the underwriting |
| Minneapolis | | as a heart condition, cancer or | | standards of the insurer. |
| Duluth | | diabetes. Conversely, if you were | | |
| Daytona Beach | | unhealthy when you acquired your | | Adjustment Bureau: A firm organized |
| Melbourne | | policy, and your health has now | | to provide adjustment services to |
| Oceanside | | improved, it might be time to shop for | | insurers not wishing to create their |
| Boca Raton | | a new policy, as your rates are likely | | own claims division. |
| Abilene | | to be lower. | | |
| West Palm Beach | | | | Effective Date: The date on which the |
| Inglewood | | People who are trying to quit | | protection of an insurance policy or |
| Naperville | | smoking, for example, might be best | | bond goes into effect. |
| Duluth | | suited purchasing a shorter term (and | | |
| Sacramento | | then replacing it with a longer term | | |
| Youngstown | | policy when they qualify for | | |
| Mesquite | | non-tobacco prices). | | |
