| | | | |
|
| Sarasota | | Healthy people have the best | | Borderline Risk: An insurance |
| Raleigh | | mortality risks and thus are much | | prospect of doubtful quality from an |
| Springfield | | cheaper for companies to insure. This | | underwriting point of view. |
| Longwood | | translates into lower rates for the | | |
| Clearwater | | Super Preferred customer than | | Nonadmitted Insurer: An insurer not |
| Panama City | | someone with higher risk factors such | | licensed to do business in the |
| Vancouver | | as a heart condition, cancer or | | jurisdiction in question. Same as |
| Berkeley | | diabetes. Conversely, if you were | | Unauthorized Insurer and Unlicensed |
| Lancaster | | unhealthy when you acquired your | | Insurer. |
| Bakersfield | | policy, and your health has now | | |
| Fort Lauderdale | | improved, it might be time to shop for | | Stock Option Plan: Surviving |
| Bethlehem | | a new policy, as your rates are likely | | stockholders have the option to |
| Pittsburgh | | to be lower. | | purchase or not purchase the shares |
| Erie | | | | of a deceased stockholder. |
| Olympia | | People who are trying to quit | | |
| Gaithersburg | | smoking, for example, might be best | | Incurred Expense: Expenses not yet |
| El Paso | | suited purchasing a shorter term (and | | paid. Can also include paid |
| Poughkeepsie | | then replacing it with a longer term | | expenses in some accounting |
| Little Rock | | policy when they qualify for | | systems. |
| Portland | | non-tobacco prices). | | |
| Dallas | | | | National Auto Theft Bureau: An |
| Greeley | | The best time to switch policies is | | organization engaged in the |
| Corpus Christi | | within one month of receiving your | | prevention and reduction of motor |
| Olympia | | policy renewal from your current | | vehicle fire and theft losses. |
| Sumter | | insurer. You can typically cancel your | | |
| Virginia Beach | | policy without any fees or penalties if | | Broker of Record: A broker who has |
| Texarkana | | you act within this time period. | | been designated to handle certain |
| West Palm Beach | | | | insurance contracts for the |
| Arlington | | The quickest and easiest way to | | policyholder. |
| Turlock | | shop for new insurance is by | | |
| Portsmouth | | comparing rates at InsWebs online | | Calendar Year Experience: This |
| Jersey City | | marketplace. If you do it the | | measures the premiums and losses |
| Anaheim | | old-fashioned way (by calling or | | entered on accounting records during |
| Cookeville | | visiting multiple agents or insurance | | the 12-month calendar. |
| Newark | | companies) it could take up a huge | | |
| Fayetteville | | chunk of your time, which no one | | |
| Los Angeles | | wants or needs. By completing | | |
| Norwalk | | InsWebs online application, you will | | |
| Chandler | | have rates to compare to your old | | |
| Davenport | | ones within minutes! | | |
