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| Ann Arbor | | While some companies raise their | | Premises: The particular location of |
| Mesquite | | prices based on your actual age, | | property or a portion thereof as |
| Biloxi | | most companies increase the price of | | designated in a policy. |
| Duluth | | their policies six months before your | | |
| Newport Beach | | birthday. Its a term called Age | | Burning Ratio: The ratio of losses |
| New York | | Nearest in the industry, and that | | suffered to the amount of insurance in |
| Yuma | | half-year price increase could really | | effect. |
| Owensboro | | add up over a 20-year term policy. As | | |
| Cincinnati | | above, the quicker you purchase your | | Broker-Agent: One acting as an agent |
| Naples | | policy the better. | | of one or more insurers and as a |
| Denton | | | | broker in dealing with one or more |
| Springfield | | Why not take advantage of current | | other insurers. |
| Fremont | | low prices? Many auto insurance | | |
| Monroe | | consumers are becoming educated | | Incurred Expense: Expenses not yet |
| Owensboro | | on other companies, plans, and rates | | paid. Can also include paid |
| Jackson | | that are available to them; ones that | | expenses in some accounting |
| Jackson | | could afford them significant savings | | systems. |
| Sacramento | | on their auto insurance. | | |
| Florence | | | | Commingling: An illegal practice |
| Winter Park | | People who are trying to quit | | which occurs when an agent mixes |
| Bethlehem | | smoking, for example, might be best | | personal funds with the insured's or |
| Vancouver | | suited purchasing a shorter term (and | | insurer's funds. |
| Irvine | | then replacing it with a longer term | | |
| Albuquerque | | policy when they qualify for | | Absolute Assignment: Assignment by |
| Costa Mesa | | non-tobacco prices). | | a policy owner of all control of and |
| Tyler | | | | rights in the policy to a third party. |
| Jersey City | | Individuals who have 30-year | | |
| Jacksonville | | mortgages might want to consider a | | Insurance Examiner: The |
| Santa Barbara | | 30-year term to ensure that the house | | representative of a state insurance |
| Montgomery | | is protected throughout the period of | | department assigned to participate in |
| Indianapolis | | the loan. | | the official audit and examination of |
| Edison | | | | an insurer. |
| Montgomery | | At InsWeb, you can compare free | | |
| Topeka | | online insurance quotes from many of | | Liquidity: The ability of an insurer to |
| White Plains | | the nations leading insurance | | convert its assets into cash to pay |
| Florissant | | companies. | | claims if necessary. |
