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| Las Vegas | | If you decide to cancel your policy | | Approved: The condition which exists |
| Carlsbad | | (after acquiring new coverage) | | when the person or object to be |
| Denver | | outside of the 30-day period, you may | | insured meets the underwriting |
| Boca Raton | | have to pay a fee or penalty. | | standards of the insurer. |
| Fall River | | However, you may still save money | | |
| Bellevue | | after paying the fee if your new policy | | Other Insurance: The existence of |
| Henderson | | affords you significant savings. So | | other contracts covering the same |
| Pueblo | | while it is best to wait until your | | interest and perils. |
| Goldsboro | | receive your renewal notice, you CAN | | |
| Lafayette | | cancel your policy at any time. | | Policy Anniversary: The anniversary |
| Portsmouth | | | | of the date of issue of a policy as |
| South Bend | | Healthy people have the best | | shown in the policy declarations. |
| Sumter | | mortality risks and thus are much | | |
| West Palm Beach | | cheaper for companies to insure. This | | Accident: An unplanned event, |
| Chandler | | translates into lower rates for the | | unexpected and undesigned, which |
| Newport Beach | | Super Preferred customer than | | occurs suddenly and at a definite |
| Nashua | | someone with higher risk factors such | | place. |
| Florence | | as a heart condition, cancer or | | |
| Clarksville | | diabetes. Conversely, if you were | | Approved Roof: A term used in |
| Grand Junction | | unhealthy when you acquired your | | building construction. It indicates a |
| Charlotte | | policy, and your health has now | | roof made of fire-resistive materials, |
| Brooklyn | | improved, it might be time to shop for | | such as tile or asphalt shingles. |
| Tempe | | a new policy, as your rates are likely | | |
| Biloxi | | to be lower. | | Net Interest Earned: The average |
| Albany | | | | interest earned by an insurer on its |
| Kansas City | | Everyone has different needs, and | | investments after investment expense |
| Melbourne | | not one size fits all when it comes to | | but before federal income taxes. |
| Memphis | | term life insurance. While it may make | | |
| Sarasota | | sense for people in their 30s and 40s | | Shock Loss: A catastrophic loss so |
| Yonkers | | to secure a 20-year term length, a | | large that it has a material effect on |
| Schaumburg | | 10-year term might be more | | the underwriting results of a company. |
| Fairfax | | appropriate for someone nearing | | |
| Trenton | | retirement. | | Insurance Examiner: The |
| Vero Beach | | | | representative of a state insurance |
| Glendale | | | | department assigned to participate in |
| Orange | | | | the official audit and examination of |
| Yuma | | | | an insurer. |
