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| Flint | | People who are trying to quit | | Valuation Clause: A clause stating the |
| Mesquite | | smoking, for example, might be best | | value of items for insurance |
| Rockville | | suited purchasing a shorter term (and | | purposes, making it a valued policy. |
| Palm Desert | | then replacing it with a longer term | | |
| Oceanside | | policy when they qualify for | | License: A certification of authority for |
| Ogden | | non-tobacco prices). | | an agent or insurer to operate, given |
| Marietta | | | | by the appropriate jurisdiction. |
| Pueblo | | Why not take advantage of current | | |
| Carlsbad | | low prices? Many auto insurance | | Domestic Insurer (or Company): An |
| Brooklyn | | consumers are becoming educated | | insurer formed under the laws of the |
| Nashua | | on other companies, plans, and rates | | state in which the insurance is written. |
| Bloomington | | that are available to them; ones that | | |
| Phoenix | | could afford them significant savings | | Calendar Year Experience: This |
| San Bernardino | | on their auto insurance. | | measures the premiums and losses |
| Venice | | | | entered on accounting records during |
| Bradenton | | While some companies raise their | | the 12-month calendar. |
| Newport Beach | | prices based on your actual age, | | |
| Kansas City | | most companies increase the price of | | Examiner: An employee assigned by |
| Riverside | | their policies six months before your | | the state insurance department to |
| Mobile | | birthday. Its a term called Age | | audit insurers' records. |
| Wichita | | Nearest in the industry, and that | | |
| Fairfax | | half-year price increase could really | | Stock Option Plan: Surviving |
| Williamsburg | | add up over a 20-year term policy. As | | stockholders have the option to |
| West Palm Beach | | above, the quicker you purchase your | | purchase or not purchase the shares |
| Oxnard | | policy the better. | | of a deceased stockholder. |
