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| Allentown | | At InsWeb, you can compare free | | Losses Outstanding: A summary |
| Redlands | | online insurance quotes from many of | | statement prepared by Property, Life, |
| Asheville | | the nations leading insurance | | and Liability insurers showing claims |
| Cambridge | | companies. | | not yet settled. |
| Roanoke | | | | |
| Troy | | People who are trying to quit | | Society of Insurance Research: An |
| Sioux City | | smoking, for example, might be best | | organization which encourages |
| Slidell | | suited purchasing a shorter term (and | | insurance research and promotes the |
| Bronx | | then replacing it with a longer term | | exchange of ideas and methods of |
| Hattiesburg | | policy when they qualify for | | research. |
| Des Moines | | non-tobacco prices). | | |
| Santa Barbara | | | | Net Loss: The amount of loss |
| Palm Harbor | | Individuals who have 30-year | | sustained by an insurer after giving |
| Tacoma | | mortgages might want to consider a | | effect to all applicable reinsurance, |
| Jacksonville | | 30-year term to ensure that the house | | salvage, and subrogation recoveries. |
| Houma | | is protected throughout the period of | | |
| Vancouver | | the loan. | | Director of Insurance: A title used in |
| Winter Haven | | | | some states for the head of the |
| Tucson | | The best time to switch policies is | | department of insurance. |
| Palm Harbor | | within one month of receiving your | | |
| Joliet | | policy renewal from your current | | Tabular Plan: A retrospective rating |
| Vancouver | | insurer. You can typically cancel your | | plan, which uses tables to furnish the |
| Spring Hill | | policy without any fees or penalties if | | various values for the rating formula. |
| Fort Wayne | | you act within this time period. | | |
| Augusta | | | | Captive Agent: One who sells |
| Orange | | Healthy people have the best | | insurance for only one company as |
| Jersey City | | mortality risks and thus are much | | opposed to an agent who represents |
| Cincinnati | | cheaper for companies to insure. This | | several companies. |
| Owensboro | | translates into lower rates for the | | |
| Spokane | | Super Preferred customer than | | Underwriters Laboratories, Inc. (UL): A |
| Jonesboro | | someone with higher risk factors such | | testing laboratory for manufactured |
| Anaheim | | as a heart condition, cancer or | | items to determine their safety |
| Denton | | diabetes. Conversely, if you were | | propensities. |
| Cambridge | | unhealthy when you acquired your | | |
| Pasadena | | policy, and your health has now | | |
| Honolulu | | improved, it might be time to shop for | | |
| Cleveland | | a new policy, as your rates are likely | | |
| Silver Spring | | to be lower. | | |
