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| Alexandria | | People who are trying to quit | | Nonadmitted Insurer: An insurer not |
| High Point | | smoking, for example, might be best | | licensed to do business in the |
| Turlock | | suited purchasing a shorter term (and | | jurisdiction in question. Same as |
| Spokane | | then replacing it with a longer term | | Unauthorized Insurer and Unlicensed |
| Colorado Springs | | policy when they qualify for | | Insurer. |
| Sioux City | | non-tobacco prices). | | |
| Englewood | | | | Retail Credit Company: The former |
| Panama City | | At InsWeb, you can compare free | | name of Equifax, a credit reporting |
| Williamsport | | online insurance quotes from many of | | organization. See Equifax. |
| Racine | | the nations leading insurance | | |
| St. Joseph | | companies. | | Accident: An unplanned event, |
| Albany | | | | unexpected and undesigned, which |
| Boise | | We offer quotes for auto insurance, | | occurs suddenly and at a definite |
| Dayton | | life insurance, homeowners | | place. |
| Pittsburgh | | insurance, health insurance, term life | | |
| Worcester | | insurance and more. | | Divided Cover: The placing of |
| Torrance | | | | insurance on a given subject or |
| Panama City | | Healthy people have the best | | object with more than one insurer. |
| Seattle | | mortality risks and thus are much | | |
| Arlington | | cheaper for companies to insure. This | | Appraisal: An evaluation of property |
| San Bernardino | | translates into lower rates for the | | made to ascertain either the |
| Palm Harbor | | Super Preferred customer than | | appropriate amount of insurance to |
| White Plains | | someone with higher risk factors such | | be written or the amount of loss to be |
| Jackson | | as a heart condition, cancer or | | paid. |
| Lake Charles | | diabetes. Conversely, if you were | | |
| Pasadena | | unhealthy when you acquired your | | Fictitious Groups: Groups formed |
| Kansas City | | policy, and your health has now | | primarily for the purpose of buying |
| Asheville | | improved, it might be time to shop for | | insurance. Under the law such groups |
| Midland | | a new policy, as your rates are likely | | may not be underwritten. |
| Ventura | | to be lower. | | |
| Long Beach | | | | Notice To Company: Written notice to |
| St. Louis | | Make sure you have a new policy in | | an insurer of the occurrence of an |
| Vineland | | place before you cancel your old one | | event which a claim is to be based. |
| Richmond | | to avoid a lapse in coverage. This will | | |
| Tacoma | | also prevent having to figure out the | | |
| Orange Park | | amount of any unused premium that is | | |
| Franklin | | due to you from your old insurance | | |
| Oxnard | | company, or having to spar with your | | |
| Frederick | | agent about exactly when your policy | | |
| Jackson | | was cancelled and how much they | | |
| Brooklyn | | owe you. | | |
