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| Cedar Rapids | | Make sure you have a new policy in | | Index Bureau Experience: A measure |
| Albuquerque | | place before you cancel your old one | | of losses relating to claims reported |
| Fullerton | | to avoid a lapse in coverage. This will | | through a claim office during a |
| Florissant | | also prevent having to figure out the | | 12-month period. |
| Naperville | | amount of any unused premium that is | | |
| Dothan | | due to you from your old insurance | | Underinsurance: A condition in which |
| Harrisburg | | company, or having to spar with your | | not enough insurance is carried to |
| Anaheim | | agent about exactly when your policy | | cover the insurable value. |
| Winter Park | | was cancelled and how much they | | |
| Florissant | | owe you. | | Appraisal: An evaluation of property |
| Cambridge | | | | made to ascertain either the |
| Anderson | | At InsWeb, you can compare free | | appropriate amount of insurance to |
| Santa Ana | | online insurance quotes from many of | | be written or the amount of loss to be |
| Palm Harbor | | the nations leading insurance | | paid. |
| Akron | | companies. | | |
| Bloomington | | | | Building Code: This refers to |
| Lexington | | Life insurance, specifically Term Life, | | municipal or other governmental |
| Anchorage | | is arguably one of the best values in | | ordinances regulating the type of |
| Ogden | | the entire financial services arena. | | construction of buildings within its |
| Reno | | Where else can you go and get | | jurisdiction. |
| Naperville | | hundreds of thousands of dollars in | | |
| Pasadena | | protection for literally pennies per | | Nonassignable: A policy that the |
| Longmont | | day? Rates for Term Life insurance | | owner cannot assign to a third party. |
| Evansville | | remain at all-time lows, and now is the | | Most policies are nonassignable |
| Boston | | time to lock in the best prices. | | unless approval is given by the |
| Lakeland | | | | insurer. |
| Fremont | | People who are trying to quit | | |
| Torrance | | smoking, for example, might be best | | Calendar Year Experience: This |
| Reading | | suited purchasing a shorter term (and | | measures the premiums and losses |
| Albany | | then replacing it with a longer term | | entered on accounting records during |
| Wichita | | policy when they qualify for | | the 12-month calendar. |
| Troy | | non-tobacco prices). | | |
| Allentown | | | | Adjustment Bureau: A firm organized |
| Tyler | | If you decide to cancel your policy | | to provide adjustment services to |
| San Diego | | (after acquiring new coverage) | | insurers not wishing to create their |
| Palm Harbor | | outside of the 30-day period, you may | | own claims division. |
| Vancouver | | have to pay a fee or penalty. | | |
| Long Beach | | However, you may still save money | | |
| Walnut Creek | | after paying the fee if your new policy | | |
| Venice | | affords you significant savings. So | | |
| Las Cruces | | while it is best to wait until your | | |
| Virginia Beach | | receive your renewal notice, you CAN | | |
| Boulder | | cancel your policy at any time. | | |
