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| Indianapolis | | Make sure you have a new policy in | | Mandatory Valuation Reserve: A |
| Thousand Oaks | | place before you cancel your old one | | reserve required by a state law to |
| Trenton | | to avoid a lapse in coverage. This will | | offset any declines in the valuation of |
| Houston | | also prevent having to figure out the | | securities listed as admitted assets. |
| Hemet | | amount of any unused premium that is | | |
| Venice | | due to you from your old insurance | | Legislative Risk: A risk faced by |
| San Bernardino | | company, or having to spar with your | | investors whereby changes in tax |
| Albuquerque | | agent about exactly when your policy | | laws can result in adverse effects on |
| Portland | | was cancelled and how much they | | the individual's investment results. |
| Irving | | owe you. | | |
| Atlanta | | | | Expense Allowance: A compensation |
| Brooklyn | | We offer quotes for auto insurance, | | paid to an insurance agent in excess |
| Albany | | life insurance, homeowners | | of prescribed commissions. |
| Texarkana | | insurance, health insurance, term life | | |
| Buffalo | | insurance and more. | | Book Value: Refers to the value of |
| Modesto | | | | assets as shown in the official |
| St. Paul | | Shopping around is the best way to | | accounting records of the company. |
| Decatur | | save money on your insurance. | | |
| Edison | | | | Agent's Balance: A periodic |
| Joliet | | If you have noticed that your auto | | statement of the sums due and owed |
| Troy | | insurance rates are still increasing | | to an agent under the agent's contract |
| Tyler | | with each renewal, or even have not | | with an insurer. |
| Bradenton | | gone down even though you have a | | |
| Rockford | | great driving record, this lower pricing | | Short-Term Policy: A policy written for |
| Santa Rosa | | trend makes it more important then | | a period of less time than is normal for |
| Columbus | | ever that you shop around for auto | | that type of policy. |
| Jackson | | insurance. | | |
| Providence | | | | Net Retention: The amount of |
| Nashville | | Healthy people have the best | | insurance that a ceding company |
| Cranston | | mortality risks and thus are much | | keeps for its own account and does |
| Springfield | | cheaper for companies to insure. This | | not reinsure. |
| Lansing | | translates into lower rates for the | | |
| Pittsburgh | | Super Preferred customer than | | Agency: An insurance sales office |
| Lima | | someone with higher risk factors such | | which is directed by a agent, |
| Stamford | | as a heart condition, cancer or | | manager, independent agent, or |
| Rockville | | diabetes. Conversely, if you were | | company manager. |
| Lubbock | | unhealthy when you acquired your | | |
| Independence | | policy, and your health has now | | |
| Dearborn | | improved, it might be time to shop for | | |
| Escondido | | a new policy, as your rates are likely | | |
| Myrtle Beach | | to be lower. | | |
