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| Hampton | | If you have noticed that your auto | | Cash Flow Underwriting: The use of |
| Albany | | insurance rates are still increasing | | rating and premium collection |
| Lexington | | with each renewal, or even have not | | techniques by insurance companies |
| Mesquite | | gone down even though you have a | | to maximize interest earnings on |
| Fort Wayne | | great driving record, this lower pricing | | premiums. |
| Jacksonville | | trend makes it more important then | | |
| Pueblo | | ever that you shop around for auto | | Legislative Risk: A risk faced by |
| Topeka | | insurance. | | investors whereby changes in tax |
| Morristown | | | | laws can result in adverse effects on |
| Evansville | | Why not take advantage of current | | the individual's investment results. |
| Palo Alto | | low prices? Many auto insurance | | |
| Elkhart | | consumers are becoming educated | | Capital Sum: The maximum lump sum |
| St. Louis | | on other companies, plans, and rates | | payable in the event of accidental |
| Lakewood | | that are available to them; ones that | | death or dismemberment. |
| Quincy | | could afford them significant savings | | |
| Athens | | on their auto insurance. | | Loss Adjustment Expense: The cost |
| Lansing | | | | of adjusting losses, excluding the |
| Duluth | | Make sure you have a new policy in | | amount of the loss itself. |
| Bloomington | | place before you cancel your old one | | |
| Lawton | | to avoid a lapse in coverage. This will | | Policywriting Agent: An agent who has |
| Fort Smith | | also prevent having to figure out the | | the authority to prepare and effect an |
| Quincy | | amount of any unused premium that is | | insurer's policy. |
| Glendale | | due to you from your old insurance | | |
| Glendale | | company, or having to spar with your | | Coding: A method of putting |
| Cleveland | | agent about exactly when your policy | | information into a numerical form for |
| Burbank | | was cancelled and how much they | | statistical use. Most information on |
| Toledo | | owe you. | | policies is coded and then put into |
| Fredericksburg | | | | reports. |
| Macon | | Healthy people have the best | | |
| Macon | | mortality risks and thus are much | | Nonassignable: A policy that the |
| Detroit | | cheaper for companies to insure. This | | owner cannot assign to a third party. |
| Shreveport | | translates into lower rates for the | | Most policies are nonassignable |
| Jacksonville | | Super Preferred customer than | | unless approval is given by the |
| Delray Beach | | someone with higher risk factors such | | insurer. |
| Augusta | | as a heart condition, cancer or | | |
| Cedar Rapids | | diabetes. Conversely, if you were | | |
| West Palm Beach | | unhealthy when you acquired your | | |
| Peoria | | policy, and your health has now | | |
| Stuart | | improved, it might be time to shop for | | |
| Myrtle Beach | | a new policy, as your rates are likely | | |
| Cedar Rapids | | to be lower. | | |
