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| Lowell | | The quickest and easiest way to | | Director of Insurance: A title used in |
| Hampton | | shop for new insurance is by | | some states for the head of the |
| Palo Alto | | comparing rates at InsWebs online | | department of insurance. |
| Lorain | | marketplace. If you do it the | | |
| Olympia | | old-fashioned way (by calling or | | Authorized Insurer: An insurer |
| Schaumburg | | visiting multiple agents or insurance | | authorized by the state to transact |
| Columbus | | companies) it could take up a huge | | business in that state for specific |
| Wilmington | | chunk of your time, which no one | | types of insurance. |
| Detroit | | wants or needs. By completing | | |
| Huntington Beach | | InsWebs online application, you will | | Adjustment Bureau: A firm organized |
| Union | | have rates to compare to your old | | to provide adjustment services to |
| Spring Hill | | ones within minutes! | | insurers not wishing to create their |
| Jasper | | | | own claims division. |
| Raleigh | | People who are trying to quit | | |
| Warren | | smoking, for example, might be best | | Gross Premium: The net premium |
| Florence | | suited purchasing a shorter term (and | | plus operating expenses, |
| Columbus | | then replacing it with a longer term | | commissions and other expenses. |
| Newport Beach | | policy when they qualify for | | |
| Anaheim | | non-tobacco prices). | | Federal Deposit Insurance |
| Silver Spring | | | | Corporation (FDIC): An agency of the |
| Greensboro | | Make sure you have a new policy in | | federal government which insures |
| Southfield | | place before you cancel your old one | | bank deposits up to a stated |
| Woodbridge | | to avoid a lapse in coverage. This will | | maximum. |
| Birmingham | | also prevent having to figure out the | | |
| Fort Smith | | amount of any unused premium that is | | Cash Flow Underwriting: The use of |
| Huntington Beach | | due to you from your old insurance | | rating and premium collection |
| High Point | | company, or having to spar with your | | techniques by insurance companies |
| Frederick | | agent about exactly when your policy | | to maximize interest earnings on |
| Pittsburgh | | was cancelled and how much they | | premiums. |
| Arlington | | owe you. | | |
| Columbia | | | | Partnership: A business enterprise |
| El Paso | | Healthy people have the best | | owned and operated by two or more |
| Wichita Falls | | mortality risks and thus are much | | persons for the purpose of generating |
| Oklahoma City | | cheaper for companies to insure. This | | business income and profits. |
| Portland | | translates into lower rates for the | | |
| El Paso | | Super Preferred customer than | | |
| Jacksonville | | someone with higher risk factors such | | |
| Fresno | | as a heart condition, cancer or | | |
| Bethlehem | | diabetes. Conversely, if you were | | |
| Gaithersburg | | unhealthy when you acquired your | | |
| Buffalo | | policy, and your health has now | | |
| Belleville | | improved, it might be time to shop for | | |
| Newark | | a new policy, as your rates are likely | | |
| Rochester | | to be lower. | | |
