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| New York | | People who are trying to quit | | Professional Insurance Agents |
| Hattiesburg | | smoking, for example, might be best | | Association: A trade association of |
| Wichita Falls | | suited purchasing a shorter term (and | | mutual insurance agents. |
| Mesa | | then replacing it with a longer term | | |
| Peoria | | policy when they qualify for | | Claim Expense: The expense of |
| Pensacola | | non-tobacco prices). | | adjusting a claim, such as |
| Huntington Beach | | | | investigation and attorneys' fees. It |
| Silver Spring | | Why not take advantage of current | | does not include the cost of the claim |
| Austin | | low prices? Many auto insurance | | itself. |
| Jacksonville | | consumers are becoming educated | | |
| Salem | | on other companies, plans, and rates | | Convention Values: Values assigned |
| Kansas City | | that are available to them; ones that | | to insurers' assets in the convention |
| Alexandria | | could afford them significant savings | | blank. |
| Augusta | | on their auto insurance. | | |
| Lexington | | | | Minimum Premium: The smallest |
| Montgomery | | Life insurance, specifically Term Life, | | amount of premium for which an |
| Saginaw | | is arguably one of the best values in | | insurer will issue coverage under a |
| Olympia | | the entire financial services arena. | | given policy. |
| Bethlehem | | Where else can you go and get | | |
| Oakland | | hundreds of thousands of dollars in | | Deficit Carried Forward: The transfer |
| Redlands | | protection for literally pennies per | | of a debit balance from one |
| Boston | | day? Rates for Term Life insurance | | accounting period to another. |
| Kalamazoo | | remain at all-time lows, and now is the | | |
| Anaheim | | time to lock in the best prices. | | Burning Ratio: The ratio of losses |
| Chesapeake | | | | suffered to the amount of insurance in |
| Johnstown | | Make sure you have a new policy in | | effect. |
| Brooklyn | | place before you cancel your old one | | |
| Muncie | | to avoid a lapse in coverage. This will | | Accident: An unplanned event, |
| Winter Haven | | also prevent having to figure out the | | unexpected and undesigned, which |
| Beaumont | | amount of any unused premium that is | | occurs suddenly and at a definite |
| Panama City | | due to you from your old insurance | | place. |
| Raleigh | | company, or having to spar with your | | |
| Longwood | | agent about exactly when your policy | | Notice To Company: Written notice to |
| Philadelphia | | was cancelled and how much they | | an insurer of the occurrence of an |
| St. Joseph | | owe you. | | event which a claim is to be based. |
