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| Plano | | People who are trying to quit | | Mandatory Valuation Reserve: A |
| Portsmouth | | smoking, for example, might be best | | reserve required by a state law to |
| Baton Rouge | | suited purchasing a shorter term (and | | offset any declines in the valuation of |
| Boca Raton | | then replacing it with a longer term | | securities listed as admitted assets. |
| San Francisco | | policy when they qualify for | | |
| Conroe | | non-tobacco prices). | | Nonassignable: A policy that the |
| Boulder | | | | owner cannot assign to a third party. |
| Jonesboro | | Why not take advantage of current | | Most policies are nonassignable |
| Marietta | | low prices? Many auto insurance | | unless approval is given by the |
| Cypress | | consumers are becoming educated | | insurer. |
| Schaumburg | | on other companies, plans, and rates | | |
| Chicago | | that are available to them; ones that | | Fiduciary: A person holding the funds |
| Las Vegas | | could afford them significant savings | | or property of another in a position of |
| Sioux Falls | | on their auto insurance. | | trust. An example would be the |
| Orange Park | | | | executor of an estate. |
| Corona | | Shopping around is the best way to | | |
| Worcester | | save money on your insurance. | | Authorized Insurer: An insurer |
| Hollywood | | | | authorized by the state to transact |
| Texarkana | | While some companies raise their | | business in that state for specific |
| Lorain | | prices based on your actual age, | | types of insurance. |
| Woodbridge | | most companies increase the price of | | |
| Burbank | | their policies six months before your | | Claim Report: A report filed by an |
| Mesa | | birthday. Its a term called Age | | agent setting forth the facts of a claim. |
| Slidell | | Nearest in the industry, and that | | Same as Loss Report. |
| Longview | | half-year price increase could really | | |
| Kingsport | | add up over a 20-year term policy. As | | Tabular Plan: A retrospective rating |
| Dothan | | above, the quicker you purchase your | | plan, which uses tables to furnish the |
| Cape Coral | | policy the better. | | various values for the rating formula. |