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| Belleville | | Make sure you have a new policy in | | Insolvent Insurer: An insurer which is |
| Houston | | place before you cancel your old one | | unable to meet its financial |
| Fall River | | to avoid a lapse in coverage. This will | | obligations. |
| Belleville | | also prevent having to figure out the | | |
| Lincoln | | amount of any unused premium that is | | Absolute Assignment: Assignment by |
| Newburgh | | due to you from your old insurance | | a policy owner of all control of and |
| Columbia | | company, or having to spar with your | | rights in the policy to a third party. |
| Slidell | | agent about exactly when your policy | | |
| Seattle | | was cancelled and how much they | | Cut Rate: This term generally applies |
| Ogden | | owe you. | | to insurance companies who charge |
| Boise | | | | premiums below a normal or average |
| Nashua | | Shopping around is the best way to | | rate. |
| Fort Collins | | save money on your insurance. | | |
| Westbury | | | | Leasehold: An agreement which |
| Buffalo | | Individuals who have 30-year | | gives a person the right to use and |
| Fredericksburg | | mortgages might want to consider a | | occupy property. |
| Rockville | | 30-year term to ensure that the house | | |
| Allentown | | is protected throughout the period of | | Underwriters Laboratories, Inc. (UL): A |
| Anderson | | the loan. | | testing laboratory for manufactured |
| Slidell | | | | items to determine their safety |
| Grand Prairie | | Life insurance, specifically Term Life, | | propensities. |
| Flint | | is arguably one of the best values in | | |
| San Jose | | the entire financial services arena. | | Cash Flow Underwriting: The use of |
| Modesto | | Where else can you go and get | | rating and premium collection |
| Dothan | | hundreds of thousands of dollars in | | techniques by insurance companies |
| Gainesville | | protection for literally pennies per | | to maximize interest earnings on |
| Fremont | | day? Rates for Term Life insurance | | premiums. |
| Daytona Beach | | remain at all-time lows, and now is the | | |
| Erie | | time to lock in the best prices. | | Net Retention: The amount of |
| Hampton | | | | insurance that a ceding company |
| Tampa | | We offer quotes for auto insurance, | | keeps for its own account and does |
| Shreveport | | life insurance, homeowners | | not reinsure. |
| Quincy | | insurance, health insurance, term life | | |
| Yuma | | insurance and more. | | Paid-In Surplus: Surplus paid in by |
| Lake Worth | | | | stockholders, as contrasted with |
| Kansas City | | | | surplus earned through the |
| Austin | | | | operations of a business. |
