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| Mansfield | | Individuals who have 30-year | | Retrospective Premium: The final |
| Fort Smith | | mortgages might want to consider a | | premium in a retrospective rating |
| Spokane | | 30-year term to ensure that the house | | plan. See Retrospective Rating. |
| Thousand Oaks | | is protected throughout the period of | | |
| West Palm Beach | | the loan. | | Domestic Insurer (or Company): An |
| El Paso | | | | insurer formed under the laws of the |
| Aurora | | Why not take advantage of current | | state in which the insurance is written. |
| Hartford | | low prices? Many auto insurance | | |
| Englewood | | consumers are becoming educated | | Dual Life Stock Company: A stock |
| Frederick | | on other companies, plans, and rates | | Life insurer issuing both participating |
| Alexandria | | that are available to them; ones that | | and nonparticipating policy contracts. |
| Overland Park | | could afford them significant savings | | |
| Fort Collins | | on their auto insurance. | | Paid-In Surplus: Surplus paid in by |
| Huntington | | | | stockholders, as contrasted with |
| Kalamazoo | | The quickest and easiest way to | | surplus earned through the |
| Decatur | | shop for new insurance is by | | operations of a business. |
| Jackson | | comparing rates at InsWebs online | | |
| Marietta | | marketplace. If you do it the | | Nonassignable: A policy that the |
| Knoxville | | old-fashioned way (by calling or | | owner cannot assign to a third party. |
| St. Louis | | visiting multiple agents or insurance | | Most policies are nonassignable |
| Trenton | | companies) it could take up a huge | | unless approval is given by the |
| Lawton | | chunk of your time, which no one | | insurer. |
| Washington | | wants or needs. By completing | | |
| Saginaw | | InsWebs online application, you will | | Flat Cancellation: A policy which is |
| Lima | | have rates to compare to your old | | cancelled upon its effective date. |
| Sacramento | | ones within minutes! | | Usually under a flat cancellation no |
| Silver Spring | | | | premium charge is made. |
| Racine | | People who are trying to quit | | |
| Boca Raton | | smoking, for example, might be best | | Fiduciary: A person holding the funds |
| Bayside | | suited purchasing a shorter term (and | | or property of another in a position of |
| Arlington | | then replacing it with a longer term | | trust. An example would be the |
| Eugene | | policy when they qualify for | | executor of an estate. |
| Clarksville | | non-tobacco prices). | | |
| Belleville | | | | Tariff Rate: A rate established by a |
| Gainesville | | | | rating organization, which comes from |
| Erie | | | | the tables, schedules and rules found |
| Oakland | | | | in the tariff of rates. |
