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| Toledo | | People who are trying to quit | | Professional Insurance Agents |
| Monroe | | smoking, for example, might be best | | Association: A trade association of |
| West Palm Beach | | suited purchasing a shorter term (and | | mutual insurance agents. |
| Garland | | then replacing it with a longer term | | |
| Grand Prairie | | policy when they qualify for | | Calendar Year Experience: This |
| Jonesboro | | non-tobacco prices). | | measures the premiums and losses |
| Sacramento | | | | entered on accounting records during |
| Dothan | | Healthy people have the best | | the 12-month calendar. |
| Thousand Oaks | | mortality risks and thus are much | | |
| Whittier | | cheaper for companies to insure. This | | Liquidity: The ability of an insurer to |
| Toms River | | translates into lower rates for the | | convert its assets into cash to pay |
| Wilmington | | Super Preferred customer than | | claims if necessary. |
| Youngstown | | someone with higher risk factors such | | |
| Hollywood | | as a heart condition, cancer or | | Nonadmitted Insurer: An insurer not |
| Odessa | | diabetes. Conversely, if you were | | licensed to do business in the |
| Gulfport | | unhealthy when you acquired your | | jurisdiction in question. Same as |
| Vero Beach | | policy, and your health has now | | Unauthorized Insurer and Unlicensed |
| Indianapolis | | improved, it might be time to shop for | | Insurer. |
| Lake Worth | | a new policy, as your rates are likely | | |
| Boca Raton | | to be lower. | | Book Value: Refers to the value of |
| Dayton | | | | assets as shown in the official |
| Colorado Springs | | Why not take advantage of current | | accounting records of the company. |
| Columbus | | low prices? Many auto insurance | | |
| Rockville | | consumers are becoming educated | | Net Loss: The amount of loss |
| Charlotte | | on other companies, plans, and rates | | sustained by an insurer after giving |
| Norfolk | | that are available to them; ones that | | effect to all applicable reinsurance, |
| Greensboro | | could afford them significant savings | | salvage, and subrogation recoveries. |
| Las Vegas | | on their auto insurance. | | |
| Portland | | | | Business: In Property, Liability, and |
| Bakersfield | | At InsWeb, you can compare free | | Health lines, it usually refers to the |
| Yuma | | online insurance quotes from many of | | volume of premiums. |
| Mobile | | the nations leading insurance | | |
| Santa Barbara | | companies. | | Mandatory Valuation Reserve: A |
| Cypress | | | | reserve required by a state law to |
| Fort Smith | | | | offset any declines in the valuation of |
| Greeley | | | | securities listed as admitted assets. |
