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| Conroe | | The quickest and easiest way to | | Fiduciary: A person holding the funds |
| Chula Vista | | shop for new insurance is by | | or property of another in a position of |
| Duluth | | comparing rates at InsWebs online | | trust. An example would be the |
| Macon | | marketplace. If you do it the | | executor of an estate. |
| Monroe | | old-fashioned way (by calling or | | |
| Erie | | visiting multiple agents or insurance | | Deductible: The portion of an insured |
| Muncie | | companies) it could take up a huge | | loss to be borne by the insured |
| Trenton | | chunk of your time, which no one | | before he is entitled to recovery from |
| Manchester | | wants or needs. By completing | | the insurer. |
| Metairie | | InsWebs online application, you will | | |
| Wilmington | | have rates to compare to your old | | Valuation Clause: A clause stating the |
| Allentown | | ones within minutes! | | value of items for insurance |
| Dearborn | | | | purposes, making it a valued policy. |
| Mountain View | | If you decide to cancel your policy | | |
| Acworth | | (after acquiring new coverage) | | Legislative Risk: A risk faced by |
| Aurora | | outside of the 30-day period, you may | | investors whereby changes in tax |
| Huntington Beach | | have to pay a fee or penalty. | | laws can result in adverse effects on |
| Grand Prairie | | However, you may still save money | | the individual's investment results. |
| Eugene | | after paying the fee if your new policy | | |
| Vineland | | affords you significant savings. So | | Gross Premium: The net premium |
| Independence | | while it is best to wait until your | | plus operating expenses, |
| Salem | | receive your renewal notice, you CAN | | commissions and other expenses. |
| Columbus | | cancel your policy at any time. | | |
| Cincinnati | | | | Policywriting Agent: An agent who has |
| Topeka | | People who are trying to quit | | the authority to prepare and effect an |
| Lake Charles | | smoking, for example, might be best | | insurer's policy. |
| Johnstown | | suited purchasing a shorter term (and | | |
| Chicago | | then replacing it with a longer term | | Brokerage Business: Business |
| Seattle | | policy when they qualify for | | offered to an insurer by a broker. This |
| Pittsburgh | | non-tobacco prices). | | is sometimes called excess or |
| Bayside | | | | surplus business. |
| Gaithersburg | | At InsWeb, you can compare free | | |
| Escondido | | online insurance quotes from many of | | National Auto Theft Bureau: An |
| Cherry Hill | | the nations leading insurance | | organization engaged in the |
| Fayetteville | | companies. | | prevention and reduction of motor |
| Schaumburg | | | | vehicle fire and theft losses. |
