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| Edmond | | While some companies raise their | | Calendar Year Experience: This |
| Lake Worth | | prices based on your actual age, | | measures the premiums and losses |
| San Jose | | most companies increase the price of | | entered on accounting records during |
| Venice | | their policies six months before your | | the 12-month calendar. |
| Glendale | | birthday. Its a term called Age | | |
| Lawton | | Nearest in the industry, and that | | Premium: The price of insurance |
| Trenton | | half-year price increase could really | | protection for a specified risk for a |
| Midland | | add up over a 20-year term policy. As | | specified period of time. |
| Alexandria | | above, the quicker you purchase your | | |
| Kingsport | | policy the better. | | Capital Sum: The maximum lump sum |
| Florence | | | | payable in the event of accidental |
| Longmont | | Shopping around is the best way to | | death or dismemberment. |
| Savannah | | save money on your insurance. | | |
| Kansas City | | | | Business: In Property, Liability, and |
| Seattle | | Why not take advantage of current | | Health lines, it usually refers to the |
| Rapid City | | low prices? Many auto insurance | | volume of premiums. |
| Fullerton | | consumers are becoming educated | | |
| Mansfield | | on other companies, plans, and rates | | Indemnity: Restoration to the victim of |
| Chandler | | that are available to them; ones that | | a loss by payment, repair, or |
| Jackson | | could afford them significant savings | | replacement. |
| Fort Lauderdale | | on their auto insurance. | | |
| Cincinnati | | | | Cut Rate: This term generally applies |
| Durham | | If you decide to cancel your policy | | to insurance companies who charge |
| Denton | | (after acquiring new coverage) | | premiums below a normal or average |
| Fremont | | outside of the 30-day period, you may | | rate. |
| Las Vegas | | have to pay a fee or penalty. | | |
| Decatur | | However, you may still save money | | Admitted (or Allowed) Assets: Assets |
| Frederick | | after paying the fee if your new policy | | whose values are permitted by state |
| Boca Raton | | affords you significant savings. So | | law to be included in the annual |
| Henderson | | while it is best to wait until your | | statement of the insurer. |
| Jonesboro | | receive your renewal notice, you CAN | | |
| Shreveport | | cancel your policy at any time. | | Collusion: An agreement, usually |
| Glendale | | | | secret, between two or more persons |
| Fayetteville | | Individuals who have 30-year | | to defraud or deprive another or |
| Lafayette | | mortgages might want to consider a | | others of their property or rights. |
| Topeka | | 30-year term to ensure that the house | | |
| Florissant | | is protected throughout the period of | | |
| Madison | | the loan. | | |
