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| Newark | | We offer quotes for auto insurance, | | Leasehold: An agreement which |
| Schenectady | | life insurance, homeowners | | gives a person the right to use and |
| Fort Collins | | insurance, health insurance, term life | | occupy property. |
| Wilmington | | insurance and more. | | |
| Evansville | | | | Admitted (or Allowed) Assets: Assets |
| Burbank | | Healthy people have the best | | whose values are permitted by state |
| Kalamazoo | | mortality risks and thus are much | | law to be included in the annual |
| Harlingen | | cheaper for companies to insure. This | | statement of the insurer. |
| Acworth | | translates into lower rates for the | | |
| Burbank | | Super Preferred customer than | | Cash Flow Underwriting: The use of |
| Trenton | | someone with higher risk factors such | | rating and premium collection |
| Seattle | | as a heart condition, cancer or | | techniques by insurance companies |
| Alexandria | | diabetes. Conversely, if you were | | to maximize interest earnings on |
| Riverside | | unhealthy when you acquired your | | premiums. |
| Mansfield | | policy, and your health has now | | |
| Dubuque | | improved, it might be time to shop for | | Mandatory Valuation Reserve: A |
| Fredericksburg | | a new policy, as your rates are likely | | reserve required by a state law to |
| Columbia | | to be lower. | | offset any declines in the valuation of |
| Oxnard | | | | securities listed as admitted assets. |
| Chattanooga | | People who are trying to quit | | |
| Spokane | | smoking, for example, might be best | | Insurance Policy: The printed form |
| Little Rock | | suited purchasing a shorter term (and | | which serves as the contract between |
| Knoxville | | then replacing it with a longer term | | an insurer and an insured. |
| Salem | | policy when they qualify for | | |
| Jasper | | non-tobacco prices). | | Nonadmitted Insurer: An insurer not |
| Lexington | | | | licensed to do business in the |
| Inglewood | | Why not take advantage of current | | jurisdiction in question. Same as |
| Orange Park | | low prices? Many auto insurance | | Unauthorized Insurer and Unlicensed |
| Lakeland | | consumers are becoming educated | | Insurer. |
| Lowell | | on other companies, plans, and rates | | |
| Youngstown | | that are available to them; ones that | | Agent's Balance: A periodic |
| Anderson | | could afford them significant savings | | statement of the sums due and owed |
| St. Joseph | | on their auto insurance. | | to an agent under the agent's contract |
| Hampton | | | | with an insurer. |