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| Gainesville | | Healthy people have the best | | Cash Flow Underwriting: The use of |
| Panama City | | mortality risks and thus are much | | rating and premium collection |
| Chattanooga | | cheaper for companies to insure. This | | techniques by insurance companies |
| Lowell | | translates into lower rates for the | | to maximize interest earnings on |
| San Diego | | Super Preferred customer than | | premiums. |
| Trenton | | someone with higher risk factors such | | |
| Independence | | as a heart condition, cancer or | | Indemnity: Restoration to the victim of |
| Billings | | diabetes. Conversely, if you were | | a loss by payment, repair, or |
| Lakewood | | unhealthy when you acquired your | | replacement. |
| Madison | | policy, and your health has now | | |
| Palm Desert | | improved, it might be time to shop for | | Claim: A demand made by the |
| Athens | | a new policy, as your rates are likely | | insured, or the insured's beneficiary, |
| Waterloo | | to be lower. | | for payment of the benefits provided |
| Virginia Beach | | | | by the contract. |
| Peoria | | Make sure you have a new policy in | | |
| Irving | | place before you cancel your old one | | Appraisal: An evaluation of property |
| Norfolk | | to avoid a lapse in coverage. This will | | made to ascertain either the |
| Fresno | | also prevent having to figure out the | | appropriate amount of insurance to |
| Durham | | amount of any unused premium that is | | be written or the amount of loss to be |
| Fayetteville | | due to you from your old insurance | | paid. |
| Mesa | | company, or having to spar with your | | |
| Shreveport | | agent about exactly when your policy | | Submitted Business: Applications for |
| Jasper | | was cancelled and how much they | | insurance submitted to an insurer but |
| Alameda | | owe you. | | not yet acted upon by it. |
