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| Odessa | | People who are trying to quit | | Notice of Cancellation: Written notice |
| Macon | | smoking, for example, might be best | | by an insurer of intent to cancel |
| Stockbridge | | suited purchasing a shorter term (and | | insurance, or written notice by an |
| Gainesville | | then replacing it with a longer term | | insured requesting cancellation. |
| Toledo | | policy when they qualify for | | |
| El Paso | | non-tobacco prices). | | Calendar Year Experience: This |
| Naples | | | | measures the premiums and losses |
| Mesa | | Healthy people have the best | | entered on accounting records during |
| Long Beach | | mortality risks and thus are much | | the 12-month calendar. |
| Columbus | | cheaper for companies to insure. This | | |
| Lawton | | translates into lower rates for the | | Open Rating: A system whereby a |
| Gaithersburg | | Super Preferred customer than | | state allows an insurer to use rates |
| Boca Raton | | someone with higher risk factors such | | without prior approval. |
| Lawton | | as a heart condition, cancer or | | |
| Flushing | | diabetes. Conversely, if you were | | You/Your: These words are used to |
| Cincinnati | | unhealthy when you acquired your | | refer to the named insured in many of |
| Bayside | | policy, and your health has now | | the modernized/personalized policy |
| Youngstown | | improved, it might be time to shop for | | forms. |
| Springfield | | a new policy, as your rates are likely | | |
| Birmingham | | to be lower. | | Notice To Company: Written notice to |
| Dothan | | | | an insurer of the occurrence of an |
| Owensboro | | If you have noticed that your auto | | event which a claim is to be based. |
| Gainesville | | insurance rates are still increasing | | |
| Kalamazoo | | with each renewal, or even have not | | Not Taken: Policies applied for and |
| Rochester | | gone down even though you have a | | issued but rejected by the proposed |
| Lawrenceville | | great driving record, this lower pricing | | owner and not paid for. |
| Ocala | | trend makes it more important then | | |
| New York | | ever that you shop around for auto | | Accident: An unplanned event, |
| Tallahassee | | insurance. | | unexpected and undesigned, which |
| Sioux Falls | | | | occurs suddenly and at a definite |
| Jackson | | Everyone has different needs, and | | place. |
| Sunnyvale | | not one size fits all when it comes to | | |
| Fresno | | term life insurance. While it may make | | Brokerage Business: Business |
| Colorado Springs | | sense for people in their 30s and 40s | | offered to an insurer by a broker. This |
| Bayside | | to secure a 20-year term length, a | | is sometimes called excess or |
| Thousand Oaks | | 10-year term might be more | | surplus business. |
| Palm Harbor | | appropriate for someone nearing | | |
| Santa Barbara | | retirement. | | |
