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| Palm Desert | | Make sure you have a new policy in | | Effective Date: The date on which the |
| Ann Arbor | | place before you cancel your old one | | protection of an insurance policy or |
| Rome | | to avoid a lapse in coverage. This will | | bond goes into effect. |
| Billings | | also prevent having to figure out the | | |
| Charlotte | | amount of any unused premium that is | | Convention Values: Values assigned |
| Detroit | | due to you from your old insurance | | to insurers' assets in the convention |
| Saginaw | | company, or having to spar with your | | blank. |
| San Diego | | agent about exactly when your policy | | |
| Woodbridge | | was cancelled and how much they | | Independent Contractor: One who |
| Grand Prairie | | owe you. | | agrees to perform according to a |
| Columbia | | | | contract and who is not an employee. |
| St. Paul | | Healthy people have the best | | |
| Council Bluffs | | mortality risks and thus are much | | Initial Premium: An amount paid at the |
| Jasper | | cheaper for companies to insure. This | | inception of an insurance contract, |
| Raleigh | | translates into lower rates for the | | usually subject to adjustment at the |
| Garland | | Super Preferred customer than | | end of the policy period. |
| Carlsbad | | someone with higher risk factors such | | |
| Lawrenceville | | as a heart condition, cancer or | | National Auto Theft Bureau: An |
| Savannah | | diabetes. Conversely, if you were | | organization engaged in the |
| Stockton | | unhealthy when you acquired your | | prevention and reduction of motor |
| Sumter | | policy, and your health has now | | vehicle fire and theft losses. |
| Rochester | | improved, it might be time to shop for | | |
| Houston | | a new policy, as your rates are likely | | Dual Life Stock Company: A stock |
| Dothan | | to be lower. | | Life insurer issuing both participating |
| Corpus Christi | | | | and nonparticipating policy contracts. |
| Hemet | | Individuals who have 30-year | | |
| Norfolk | | mortgages might want to consider a | | Earned Income: The money |
| Greensboro | | 30-year term to ensure that the house | | individuals earn as a result of working |
| Alameda | | is protected throughout the period of | | at some job or occupation for which |
| Los Angeles | | the loan. | | they are paid a salary. |
