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| Alexandria | | Shopping around is the best way to | | Cash Flow Underwriting: The use of |
| Columbia | | save money on your insurance. | | rating and premium collection |
| Glendale | | | | techniques by insurance companies |
| Quincy | | At InsWeb, you can compare free | | to maximize interest earnings on |
| Norwalk | | online insurance quotes from many of | | premiums. |
| Kalamazoo | | the nations leading insurance | | |
| Council Bluffs | | companies. | | Nonassignable: A policy that the |
| Pueblo | | | | owner cannot assign to a third party. |
| San Jose | | If you decide to cancel your policy | | Most policies are nonassignable |
| Santa Barbara | | (after acquiring new coverage) | | unless approval is given by the |
| Santa Barbara | | outside of the 30-day period, you may | | insurer. |
| Fremont | | have to pay a fee or penalty. | | |
| Columbia | | However, you may still save money | | Agency Contract (or Agreement): The |
| Allentown | | after paying the fee if your new policy | | document which establishes the legal |
| Akron | | affords you significant savings. So | | relationship between an agent and an |
| Irving | | while it is best to wait until your | | insurer. |
| Dallas | | receive your renewal notice, you CAN | | |
| Aurora | | cancel your policy at any time. | | Endorsement: A written or printed form |
| Hickory | | | | attached to the policy which alters |
| Saginaw | | Healthy people have the best | | provisions of the contract. |
| New York | | mortality risks and thus are much | | |
| Arlington | | cheaper for companies to insure. This | | Accident Year Experience: Measures |
| Racine | | translates into lower rates for the | | premiums and losses relating to |
| Dearborn | | Super Preferred customer than | | accidents which occurred during a |
| Gainesville | | someone with higher risk factors such | | 12-month period. |
| Quincy | | as a heart condition, cancer or | | |
| Warwick | | diabetes. Conversely, if you were | | Indemnity: Restoration to the victim of |
| Valdosta | | unhealthy when you acquired your | | a loss by payment, repair, or |
| North Hollywood | | policy, and your health has now | | replacement. |
| Albany | | improved, it might be time to shop for | | |
| Inglewood | | a new policy, as your rates are likely | | Independent Agent: An agent |
| Pittsburgh | | to be lower. | | operating as an independent |
| San Bernardino | | | | contractor under the independent |
| White Plains | | Individuals who have 30-year | | agency system. |
| Flint | | mortgages might want to consider a | | |
| Wichita | | 30-year term to ensure that the house | | |
| Grand Rapids | | is protected throughout the period of | | |
| Providence | | the loan. | | |
