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| Fayetteville | | Shopping around is the best way to | | Agency Company: An insurance |
| Bayside | | save money on your insurance. | | company that produces business |
| Carlsbad | | | | through an agency network. Contrast |
| Johnstown | | If you decide to cancel your policy | | with Direct Writer. |
| San Antonio | | (after acquiring new coverage) | | |
| Midland | | outside of the 30-day period, you may | | Standard Industry Code (SIC): This is |
| Dayton | | have to pay a fee or penalty. | | a coding system which assigns |
| Detroit | | However, you may still save money | | separate codes for different types of |
| Macon | | after paying the fee if your new policy | | industries. |
| Knoxville | | affords you significant savings. So | | |
| Mountain View | | while it is best to wait until your | | Cash Flow Underwriting: The use of |
| Abilene | | receive your renewal notice, you CAN | | rating and premium collection |
| Panama City | | cancel your policy at any time. | | techniques by insurance companies |
| Eugene | | | | to maximize interest earnings on |
| Orlando | | Life insurance, specifically Term Life, | | premiums. |
| Lowell | | is arguably one of the best values in | | |
| Cleveland | | the entire financial services arena. | | Sherman Antitrust Act: An antitrust law |
| Columbia | | Where else can you go and get | | from which insurance is exempted to |
| Tacoma | | hundreds of thousands of dollars in | | the extent that it is regulated by state |
| Springfield | | protection for literally pennies per | | law. |
| Phoenix | | day? Rates for Term Life insurance | | |
| Hot Springs | | remain at all-time lows, and now is the | | Mutualization: The process of |
| Livonia | | time to lock in the best prices. | | converting a stock insurer to a mutual |
| Sacramento | | | | insurer, accomplished by having the |
| Chula Vista | | While some companies raise their | | insurer buy stock and retire it. |
| Nashville | | prices based on your actual age, | | |
| Tempe | | most companies increase the price of | | Losses Outstanding: A summary |
| Cleveland | | their policies six months before your | | statement prepared by Property, Life, |
| Orlando | | birthday. Its a term called Age | | and Liability insurers showing claims |
| Boca Raton | | Nearest in the industry, and that | | not yet settled. |
| Sioux Falls | | half-year price increase could really | | |
| Little Rock | | add up over a 20-year term policy. As | | Claim Expense: The expense of |
| Fremont | | above, the quicker you purchase your | | adjusting a claim, such as |
| Boca Raton | | policy the better. | | investigation and attorneys' fees. It |
| Downey | | | | does not include the cost of the claim |
| Columbia | | | | itself. |
