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| Henderson | | Shopping around is the best way to | | Paid-In Surplus: Surplus paid in by |
| Valdosta | | save money on your insurance. | | stockholders, as contrasted with |
| Hampton | | | | surplus earned through the |
| Hickory | | Healthy people have the best | | operations of a business. |
| Bronx | | mortality risks and thus are much | | |
| Staten Island | | cheaper for companies to insure. This | | Book Value: Refers to the value of |
| Indianapolis | | translates into lower rates for the | | assets as shown in the official |
| Muncie | | Super Preferred customer than | | accounting records of the company. |
| Turlock | | someone with higher risk factors such | | |
| Fremont | | as a heart condition, cancer or | | Index Bureau Experience: A measure |
| Vancouver | | diabetes. Conversely, if you were | | of losses relating to claims reported |
| Melbourne | | unhealthy when you acquired your | | through a claim office during a |
| Fort Myers | | policy, and your health has now | | 12-month period. |
| Naperville | | improved, it might be time to shop for | | |
| Walnut Creek | | a new policy, as your rates are likely | | Foreign Insurer: An insurer domiciled |
| Union | | to be lower. | | in a state of the United States other |
| Huntsville | | | | than the one in which the insured's |
| Washington | | Individuals who have 30-year | | insurance is written. |
| Baltimore | | mortgages might want to consider a | | |
| Santa Rosa | | 30-year term to ensure that the house | | Basic Rate: The manual rate from |
| Pembroke Pines | | is protected throughout the period of | | which discounts are taken or to which |
| Brooklyn | | the loan. | | charges are added to reflect the |
| Fayetteville | | | | individual circumstances of a risk. |
| Portsmouth | | Make sure you have a new policy in | | |
| San Francisco | | place before you cancel your old one | | Fictitious Groups: Groups formed |
| Fairfax | | to avoid a lapse in coverage. This will | | primarily for the purpose of buying |
| Rockford | | also prevent having to figure out the | | insurance. Under the law such groups |
| Stockton | | amount of any unused premium that is | | may not be underwritten. |
| Cambridge | | due to you from your old insurance | | |
| Spartanburg | | company, or having to spar with your | | Losses Outstanding: A summary |
| Lima | | agent about exactly when your policy | | statement prepared by Property, Life, |
| Biloxi | | was cancelled and how much they | | and Liability insurers showing claims |
| Troy | | owe you. | | not yet settled. |
