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| Portland | | Individuals who have 30-year | | Book Value: Refers to the value of |
| Poughkeepsie | | mortgages might want to consider a | | assets as shown in the official |
| Kansas City | | 30-year term to ensure that the house | | accounting records of the company. |
| Overland Park | | is protected throughout the period of | | |
| Vero Beach | | the loan. | | Agent's License: A certificate of |
| Pittsburgh | | | | authority from the state which permits |
| Albany | | At InsWeb, you can compare free | | the agent to conduct business. |
| Macon | | online insurance quotes from many of | | |
| Schaumburg | | the nations leading insurance | | Producer: A term applied to an agent, |
| Oakland | | companies. | | solicitor or other person who sells |
| Lowell | | | | insurance. |
| Cape Coral | | If you decide to cancel your policy | | |
| Ventura | | (after acquiring new coverage) | | Shock Loss: A catastrophic loss so |
| Baton Rouge | | outside of the 30-day period, you may | | large that it has a material effect on |
| Alexandria | | have to pay a fee or penalty. | | the underwriting results of a company. |
| Clinton Township | | However, you may still save money | | |
| New York | | after paying the fee if your new policy | | We/Us/Our: These words are used to |
| St. Louis | | affords you significant savings. So | | refer to the insurer in many of the |
| Roanoke | | while it is best to wait until your | | modernized/personalized policy |
| Hampton | | receive your renewal notice, you CAN | | forms recently introduced. |
| Rome | | cancel your policy at any time. | | |
| Flushing | | | | Renewal: The reestablishment of the |
| Bayside | | The quickest and easiest way to | | in-force status of a policy, the term of |
| Daytona Beach | | shop for new insurance is by | | which has expired or will expire |
| Irvine | | comparing rates at InsWebs online | | unless it is renewed. |
| San Jose | | marketplace. If you do it the | | |
| Bethlehem | | old-fashioned way (by calling or | | Fictitious Groups: Groups formed |
| Anderson | | visiting multiple agents or insurance | | primarily for the purpose of buying |
| Winter Haven | | companies) it could take up a huge | | insurance. Under the law such groups |
| Tucson | | chunk of your time, which no one | | may not be underwritten. |
| San Antonio | | wants or needs. By completing | | |
| Frederick | | InsWebs online application, you will | | Authorized Insurer: An insurer |
| Baltimore | | have rates to compare to your old | | authorized by the state to transact |
| Boulder | | ones within minutes! | | business in that state for specific |
| Lexington | | | | types of insurance. |
