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| Elkhart | | The best time to switch policies is | | Malinger: To feign a disability for the |
| Clinton Township | | within one month of receiving your | | purpose of continuing to collect |
| Greeley | | policy renewal from your current | | benefits longer than actually |
| Oxnard | | insurer. You can typically cancel your | | necessary. |
| Costa Mesa | | policy without any fees or penalties if | | |
| Fayetteville | | you act within this time period. | | Policy Anniversary: The anniversary |
| Harlingen | | | | of the date of issue of a policy as |
| Pembroke Pines | | Healthy people have the best | | shown in the policy declarations. |
| Alameda | | mortality risks and thus are much | | |
| Englewood | | cheaper for companies to insure. This | | Exclusions: Specific situations, |
| Denver | | translates into lower rates for the | | conditions, or circumstances that are |
| Orlando | | Super Preferred customer than | | listed in the contract as being not |
| Salem | | someone with higher risk factors such | | covered. |
| Muskegon | | as a heart condition, cancer or | | |
| Florence | | diabetes. Conversely, if you were | | Inspection: Independent checking on |
| Akron | | unhealthy when you acquired your | | facts about an applicant, |
| Pompano Beach | | policy, and your health has now | | policyholder, or claimant, usually by a |
| Portland | | improved, it might be time to shop for | | commercial inspection agency. |
| Gaithersburg | | a new policy, as your rates are likely | | |
| Jersey City | | to be lower. | | Producer: A term applied to an agent, |
| Lowell | | | | solicitor or other person who sells |
| Boca Raton | | We offer quotes for auto insurance, | | insurance. |
| Stuart | | life insurance, homeowners | | |
| Santa Barbara | | insurance, health insurance, term life | | Paid-In Surplus: Surplus paid in by |
| Panama City | | insurance and more. | | stockholders, as contrasted with |
| Harlingen | | | | surplus earned through the |
| Santa Monica | | Shopping around is the best way to | | operations of a business. |
| Denton | | save money on your insurance. | | |
| Montgomery | | | | Independent Contractor: One who |
| Palm Harbor | | The quickest and easiest way to | | agrees to perform according to a |
| Union | | shop for new insurance is by | | contract and who is not an employee. |
| Tempe | | comparing rates at InsWebs online | | |
| New York | | marketplace. If you do it the | | Net Retention: The amount of |
| Westbury | | old-fashioned way (by calling or | | insurance that a ceding company |
| Longmont | | visiting multiple agents or insurance | | keeps for its own account and does |
| Delray Beach | | companies) it could take up a huge | | not reinsure. |
| Hendersonville | | chunk of your time, which no one | | |
| Norfolk | | wants or needs. By completing | | |
| Wilmington | | InsWebs online application, you will | | |
| Santa Rosa | | have rates to compare to your old | | |
| Quincy | | ones within minutes! | | |
