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| San Jose | | Make sure you have a new policy in | | Underwriters Laboratories, Inc. (UL): A |
| Youngstown | | place before you cancel your old one | | testing laboratory for manufactured |
| Tempe | | to avoid a lapse in coverage. This will | | items to determine their safety |
| Newport News | | also prevent having to figure out the | | propensities. |
| Mansfield | | amount of any unused premium that is | | |
| Portland | | due to you from your old insurance | | Domestic Insurer (or Company): An |
| South Bend | | company, or having to spar with your | | insurer formed under the laws of the |
| Mobile | | agent about exactly when your policy | | state in which the insurance is written. |
| Athens | | was cancelled and how much they | | |
| Canton | | owe you. | | First Party Insurance: Insurance which |
| Tampa | | | | applies to coverage for the insured's |
| Hot Springs | | While some companies raise their | | own property or person. Contrast with |
| San Bernardino | | prices based on your actual age, | | Third Party Insurance. |
| Dubuque | | most companies increase the price of | | |
| Cranston | | their policies six months before your | | Open Rating: A system whereby a |
| Tucson | | birthday. Its a term called Age | | state allows an insurer to use rates |
| Phoenix | | Nearest in the industry, and that | | without prior approval. |
| Chicago | | half-year price increase could really | | |
| Fort Smith | | add up over a 20-year term policy. As | | Partial Loss: A loss covered by an |
| Bethlehem | | above, the quicker you purchase your | | insurance policy which does not |
| Wichita Falls | | policy the better. | | completely destroy or render |
| Edmond | | | | worthless the insured property. |
| Jackson | | Why not take advantage of current | | |
| Newark | | low prices? Many auto insurance | | Building Code: This refers to |
| Boulder | | consumers are becoming educated | | municipal or other governmental |
| Redlands | | on other companies, plans, and rates | | ordinances regulating the type of |
| Richmond | | that are available to them; ones that | | construction of buildings within its |
| Cherry Hill | | could afford them significant savings | | jurisdiction. |
| Houston | | on their auto insurance. | | |
| Alameda | | | | Gross Line: The total limit accepted |
| Cedar Rapids | | Everyone has different needs, and | | by an insurer on an individual risk, |
| Dearborn | | not one size fits all when it comes to | | including the amount to be reinsured. |
| Franklin | | term life insurance. While it may make | | |
| Williamsport | | sense for people in their 30s and 40s | | Countersignature: The signature of a |
| Silver Spring | | to secure a 20-year term length, a | | licensed agent or representative on a |
| Lincoln | | 10-year term might be more | | policy. |
| Elkhart | | appropriate for someone nearing | | |
| Westbury | | retirement. | | |
