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| Worcester | | We offer quotes for auto insurance, | | Dual Life Stock Company: A stock |
| Bakersfield | | life insurance, homeowners | | Life insurer issuing both participating |
| Sacramento | | insurance, health insurance, term life | | and nonparticipating policy contracts. |
| Sunnyvale | | insurance and more. | | |
| Tulsa | | | | Borderline Risk: An insurance |
| Topeka | | If you decide to cancel your policy | | prospect of doubtful quality from an |
| Quincy | | (after acquiring new coverage) | | underwriting point of view. |
| Downey | | outside of the 30-day period, you may | | |
| Staten Island | | have to pay a fee or penalty. | | Brick Veneer Construction: Refers to |
| Santa Barbara | | However, you may still save money | | a building where the outside walls are |
| Durham | | after paying the fee if your new policy | | constructed of wood with a facing of a |
| Burbank | | affords you significant savings. So | | single layer of brick. |
| Cincinnati | | while it is best to wait until your | | |
| Rockville | | receive your renewal notice, you CAN | | Premium Notice: A form notice from |
| Fort Worth | | cancel your policy at any time. | | an insurer or agency to a policy |
| Lima | | | | owner that a premium will be due on a |
| Cincinnati | | While some companies raise their | | given date. |
| Tyler | | prices based on your actual age, | | |
| Santa Clara | | most companies increase the price of | | Premises: The particular location of |
| Houston | | their policies six months before your | | property or a portion thereof as |
| Long Beach | | birthday. Its a term called Age | | designated in a policy. |
| Muncie | | Nearest in the industry, and that | | |
| Fort Myers | | half-year price increase could really | | Losses Incurred: The total losses, |
| Albany | | add up over a 20-year term policy. As | | whether paid or not, sustained by an |
| Myrtle Beach | | above, the quicker you purchase your | | insurer during a given period, e.g., 12 |
| Greenville | | policy the better. | | months. |