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| Cape Coral | | Make sure you have a new policy in | | Flat Cancellation: A policy which is |
| Colorado Springs | | place before you cancel your old one | | cancelled upon its effective date. |
| Slidell | | to avoid a lapse in coverage. This will | | Usually under a flat cancellation no |
| Grand Junction | | also prevent having to figure out the | | premium charge is made. |
| Newark | | amount of any unused premium that is | | |
| Irvine | | due to you from your old insurance | | Underinsurance: A condition in which |
| Bronx | | company, or having to spar with your | | not enough insurance is carried to |
| Jackson | | agent about exactly when your policy | | cover the insurable value. |
| Allentown | | was cancelled and how much they | | |
| Gainesville | | owe you. | | Theory of Probability: The |
| Dayton | | | | mathematical principle upon which |
| Aurora | | Shopping around is the best way to | | insurance is based. |
| Boise | | save money on your insurance. | | |
| Durham | | | | Admitted (or Allowed) Assets: Assets |
| Orlando | | Everyone has different needs, and | | whose values are permitted by state |
| Springfield | | not one size fits all when it comes to | | law to be included in the annual |
| Garland | | term life insurance. While it may make | | statement of the insurer. |
| Salem | | sense for people in their 30s and 40s | | |
| North Hollywood | | to secure a 20-year term length, a | | Examiner: An employee assigned by |
| Pensacola | | 10-year term might be more | | the state insurance department to |
| Mesa | | appropriate for someone nearing | | audit insurers' records. |
| Philadelphia | | retirement. | | |
| Ocala | | | | Claim: A demand made by the |
| Lexington | | At InsWeb, you can compare free | | insured, or the insured's beneficiary, |
| Fayetteville | | online insurance quotes from many of | | for payment of the benefits provided |
| Rochester | | the nations leading insurance | | by the contract. |
| Detroit | | companies. | | |
| Bradenton | | | | Short-Term Policy: A policy written for |
| Jersey City | | The quickest and easiest way to | | a period of less time than is normal for |
| Carlsbad | | shop for new insurance is by | | that type of policy. |
| Santa Rosa | | comparing rates at InsWebs online | | |
| Spartanburg | | marketplace. If you do it the | | Shock Loss: A catastrophic loss so |
| Sterling Heights | | old-fashioned way (by calling or | | large that it has a material effect on |
| Wichita Falls | | visiting multiple agents or insurance | | the underwriting results of a company. |
| Louisville | | companies) it could take up a huge | | |
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| Santa Ana | | ones within minutes! | | |
