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| Arlington | | If you decide to cancel your policy | | Brick Veneer Construction: Refers to |
| Hampton | | (after acquiring new coverage) | | a building where the outside walls are |
| Tyler | | outside of the 30-day period, you may | | constructed of wood with a facing of a |
| Fort Myers | | have to pay a fee or penalty. | | single layer of brick. |
| Springfield | | However, you may still save money | | |
| Fort Collins | | after paying the fee if your new policy | | Paid-In Surplus: Surplus paid in by |
| White Plains | | affords you significant savings. So | | stockholders, as contrasted with |
| Spartanburg | | while it is best to wait until your | | surplus earned through the |
| Rome | | receive your renewal notice, you CAN | | operations of a business. |
| Columbus | | cancel your policy at any time. | | |
| Oxnard | | | | Accident: An unplanned event, |
| Lincoln | | The quickest and easiest way to | | unexpected and undesigned, which |
| Wichita | | shop for new insurance is by | | occurs suddenly and at a definite |
| Palo Alto | | comparing rates at InsWebs online | | place. |
| Berkeley | | marketplace. If you do it the | | |
| Pompano Beach | | old-fashioned way (by calling or | | Partnership Entity: The partnership |
| Quincy | | visiting multiple agents or insurance | | considered as an entity and not in |
| Evanston | | companies) it could take up a huge | | terms of its individual part-owners. |
| Boston | | chunk of your time, which no one | | |
| Vineland | | wants or needs. By completing | | Independent Contractor: One who |
| Florissant | | InsWebs online application, you will | | agrees to perform according to a |
| Tallahassee | | have rates to compare to your old | | contract and who is not an employee. |
| Arlington | | ones within minutes! | | |
| Mountain View | | | | Independent Agent: An agent |
| Portsmouth | | At InsWeb, you can compare free | | operating as an independent |
| West Chester | | online insurance quotes from many of | | contractor under the independent |
| Lake Worth | | the nations leading insurance | | agency system. |
| Harlingen | | companies. | | |
| Newport Beach | | | | Capital Sum: The maximum lump sum |
| Portsmouth | | While some companies raise their | | payable in the event of accidental |
| Pompano Beach | | prices based on your actual age, | | death or dismemberment. |
| Fort Worth | | most companies increase the price of | | |
| Little Rock | | their policies six months before your | | Fictitious Groups: Groups formed |
| Chandler | | birthday. Its a term called Age | | primarily for the purpose of buying |
| Valdosta | | Nearest in the industry, and that | | insurance. Under the law such groups |
| Fort Smith | | half-year price increase could really | | may not be underwritten. |
| Albuquerque | | add up over a 20-year term policy. As | | |
| Flushing | | above, the quicker you purchase your | | |
| Fayetteville | | policy the better. | | |
