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| Seattle | | Why not take advantage of current | | Director of Insurance: A title used in |
| Cranston | | low prices? Many auto insurance | | some states for the head of the |
| Henderson | | consumers are becoming educated | | department of insurance. |
| Decatur | | on other companies, plans, and rates | | |
| Gainesville | | that are available to them; ones that | | Net Retention: The amount of |
| Charleston | | could afford them significant savings | | insurance that a ceding company |
| Norfolk | | on their auto insurance. | | keeps for its own account and does |
| Lake Worth | | | | not reinsure. |
| Orlando | | Healthy people have the best | | |
| Tempe | | mortality risks and thus are much | | Insurance Policy: The printed form |
| Manchester | | cheaper for companies to insure. This | | which serves as the contract between |
| San Bernardino | | translates into lower rates for the | | an insurer and an insured. |
| Scranton | | Super Preferred customer than | | |
| Ventura | | someone with higher risk factors such | | Captive Agent: One who sells |
| Baton Rouge | | as a heart condition, cancer or | | insurance for only one company as |
| Alameda | | diabetes. Conversely, if you were | | opposed to an agent who represents |
| Irvine | | unhealthy when you acquired your | | several companies. |
| Coral Springs | | policy, and your health has now | | |
| Hickory | | improved, it might be time to shop for | | Nonadmitted Insurer: An insurer not |
| Escondido | | a new policy, as your rates are likely | | licensed to do business in the |
| Grand Junction | | to be lower. | | jurisdiction in question. Same as |
| Williamsport | | | | Unauthorized Insurer and Unlicensed |
| Dothan | | Life insurance, specifically Term Life, | | Insurer. |
| Lafayette | | is arguably one of the best values in | | |
| Newburgh | | the entire financial services arena. | | Cut Rate: This term generally applies |
| Huntington | | Where else can you go and get | | to insurance companies who charge |
| Decatur | | hundreds of thousands of dollars in | | premiums below a normal or average |
| Lawton | | protection for literally pennies per | | rate. |
| Lafayette | | day? Rates for Term Life insurance | | |
| Longwood | | remain at all-time lows, and now is the | | Insolvent Insurer: An insurer which is |
| Augusta | | time to lock in the best prices. | | unable to meet its financial |
| Naples | | | | obligations. |
| Newburgh | | The best time to switch policies is | | |
| Omaha | | within one month of receiving your | | Admitted (or Allowed) Assets: Assets |
| Gaithersburg | | policy renewal from your current | | whose values are permitted by state |
| Houston | | insurer. You can typically cancel your | | law to be included in the annual |
| Waco | | policy without any fees or penalties if | | statement of the insurer. |
| Reno | | you act within this time period. | | |
