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| Newark | | At InsWeb, you can compare free | | Appraisal: An evaluation of property |
| Lincoln | | online insurance quotes from many of | | made to ascertain either the |
| Grand Prairie | | the nations leading insurance | | appropriate amount of insurance to |
| Hendersonville | | companies. | | be written or the amount of loss to be |
| Santa Ana | | | | paid. |
| Valdosta | | Make sure you have a new policy in | | |
| Whittier | | place before you cancel your old one | | Collusion: An agreement, usually |
| Peoria | | to avoid a lapse in coverage. This will | | secret, between two or more persons |
| Indianapolis | | also prevent having to figure out the | | to defraud or deprive another or |
| St. Louis | | amount of any unused premium that is | | others of their property or rights. |
| Toledo | | due to you from your old insurance | | |
| Valdosta | | company, or having to spar with your | | Convention Values: Values assigned |
| Springfield | | agent about exactly when your policy | | to insurers' assets in the convention |
| Detroit | | was cancelled and how much they | | blank. |
| Athens | | owe you. | | |
| Littleton | | | | Inspection: Independent checking on |
| Newport Beach | | If you decide to cancel your policy | | facts about an applicant, |
| Savannah | | (after acquiring new coverage) | | policyholder, or claimant, usually by a |
| Lawton | | outside of the 30-day period, you may | | commercial inspection agency. |
| Sumter | | have to pay a fee or penalty. | | |
| Davenport | | However, you may still save money | | Equity: The money value of an |
| Shreveport | | after paying the fee if your new policy | | insurance company that is over and |
| Odessa | | affords you significant savings. So | | above its liabilities. Liabilities include |
| Milwaukee | | while it is best to wait until your | | almost all of its reserves. |
| Grand Prairie | | receive your renewal notice, you CAN | | |
| Pompano Beach | | cancel your policy at any time. | | Commingling: An illegal practice |
| Harlingen | | | | which occurs when an agent mixes |
| Buffalo | | Life insurance, specifically Term Life, | | personal funds with the insured's or |
| York | | is arguably one of the best values in | | insurer's funds. |
| Lancaster | | the entire financial services arena. | | |
| Saginaw | | Where else can you go and get | | Lapsed Policy: One which has been |
| Portsmouth | | hundreds of thousands of dollars in | | allowed to expire because of |
| Sarasota | | protection for literally pennies per | | nonpayment of premiums. |
| Waco | | day? Rates for Term Life insurance | | |
| Baltimore | | remain at all-time lows, and now is the | | |
| Vineland | | time to lock in the best prices. | | |
