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| Sarasota | | Make sure you have a new policy in | | Lloyd's Broker: A person who has the |
| Newark | | place before you cancel your old one | | authority to negotiate insurance |
| Portsmouth | | to avoid a lapse in coverage. This will | | contracts with the underwriters on the |
| Jackson | | also prevent having to figure out the | | floor at Lloyd's. |
| Newark | | amount of any unused premium that is | | |
| Conroe | | due to you from your old insurance | | Paid-In Surplus: Surplus paid in by |
| Greenville | | company, or having to spar with your | | stockholders, as contrasted with |
| Fort Collins | | agent about exactly when your policy | | surplus earned through the |
| Portland | | was cancelled and how much they | | operations of a business. |
| Las Cruces | | owe you. | | |
| Vero Beach | | | | Agent's Balance: A periodic |
| Buffalo | | If you have noticed that your auto | | statement of the sums due and owed |
| Harrisburg | | insurance rates are still increasing | | to an agent under the agent's contract |
| Lubbock | | with each renewal, or even have not | | with an insurer. |
| Pittsburgh | | gone down even though you have a | | |
| Youngstown | | great driving record, this lower pricing | | Interstate Carrier: A transportation |
| Glendale | | trend makes it more important then | | company which does business |
| Dothan | | ever that you shop around for auto | | across state lines. |
| Dothan | | insurance. | | |
| Independence | | | | Inspection: Independent checking on |
| South Bend | | While some companies raise their | | facts about an applicant, |
| Slidell | | prices based on your actual age, | | policyholder, or claimant, usually by a |
| Bellevue | | most companies increase the price of | | commercial inspection agency. |
| Zanesville | | their policies six months before your | | |
| Birmingham | | birthday. Its a term called Age | | Calendar Year Experience: This |
| Harlingen | | Nearest in the industry, and that | | measures the premiums and losses |
| Toledo | | half-year price increase could really | | entered on accounting records during |
| Burbank | | add up over a 20-year term policy. As | | the 12-month calendar. |
| Columbia | | above, the quicker you purchase your | | |
| Alpharetta | | policy the better. | | Deficit Carried Forward: The transfer |
| Valdosta | | | | of a debit balance from one |
| Fort Collins | | Life insurance, specifically Term Life, | | accounting period to another. |
| Salt Lake City | | is arguably one of the best values in | | |
| Allentown | | the entire financial services arena. | | Claim Report: A report filed by an |
| Spartanburg | | Where else can you go and get | | agent setting forth the facts of a claim. |
| Oakland | | hundreds of thousands of dollars in | | Same as Loss Report. |
| Baltimore | | protection for literally pennies per | | |
| Englewood | | day? Rates for Term Life insurance | | |
| Portland | | remain at all-time lows, and now is the | | |
| San Jose | | time to lock in the best prices. | | |
