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| Newport Beach | | The best time to switch policies is | | Policy Anniversary: The anniversary |
| Rochester | | within one month of receiving your | | of the date of issue of a policy as |
| Trenton | | policy renewal from your current | | shown in the policy declarations. |
| Clinton Township | | insurer. You can typically cancel your | | |
| El Paso | | policy without any fees or penalties if | | Agent's Balance: A periodic |
| Naples | | you act within this time period. | | statement of the sums due and owed |
| Bloomington | | | | to an agent under the agent's contract |
| Baton Rouge | | Healthy people have the best | | with an insurer. |
| Scottsdale | | mortality risks and thus are much | | |
| Palm Harbor | | cheaper for companies to insure. This | | Loss Frequency: The number of times |
| Topeka | | translates into lower rates for the | | a loss occurs over a specific period |
| Yuma | | Super Preferred customer than | | of time. |
| Southfield | | someone with higher risk factors such | | |
| Memphis | | as a heart condition, cancer or | | Deductible: The portion of an insured |
| San Diego | | diabetes. Conversely, if you were | | loss to be borne by the insured |
| Santa Ana | | unhealthy when you acquired your | | before he is entitled to recovery from |
| Lawrenceville | | policy, and your health has now | | the insurer. |
| Longview | | improved, it might be time to shop for | | |
| Westbury | | a new policy, as your rates are likely | | Theory of Probability: The |
| Toledo | | to be lower. | | mathematical principle upon which |
| Fredericksburg | | | | insurance is based. |
| Wichita | | The quickest and easiest way to | | |
| Long Beach | | shop for new insurance is by | | Exclusions: Specific situations, |
| Gulfport | | comparing rates at InsWebs online | | conditions, or circumstances that are |
| Longmont | | marketplace. If you do it the | | listed in the contract as being not |
| Cypress | | old-fashioned way (by calling or | | covered. |
| Franklin | | visiting multiple agents or insurance | | |
| Fort Wayne | | companies) it could take up a huge | | Insurance to Value: Insurance written |
| Grand Junction | | chunk of your time, which no one | | in an amount approximating the value |
| Boca Raton | | wants or needs. By completing | | of the property insured. |
| Sterling Heights | | InsWebs online application, you will | | |
| Boynton Beach | | have rates to compare to your old | | We/Us/Our: These words are used to |
| Decatur | | ones within minutes! | | refer to the insurer in many of the |
| Alexandria | | | | modernized/personalized policy |
| Palm Harbor | | | | forms recently introduced. |
