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| Fremont | | Healthy people have the best | | Net Retention: The amount of |
| Dallas | | mortality risks and thus are much | | insurance that a ceding company |
| Cedar Rapids | | cheaper for companies to insure. This | | keeps for its own account and does |
| Florence | | translates into lower rates for the | | not reinsure. |
| South Bend | | Super Preferred customer than | | |
| Anchorage | | someone with higher risk factors such | | Insolvent Insurer: An insurer which is |
| Redlands | | as a heart condition, cancer or | | unable to meet its financial |
| Council Bluffs | | diabetes. Conversely, if you were | | obligations. |
| Boulder | | unhealthy when you acquired your | | |
| Tuscaloosa | | policy, and your health has now | | Short Rate Premium: The premium |
| Livonia | | improved, it might be time to shop for | | required for issuing a policy for a |
| Boynton Beach | | a new policy, as your rates are likely | | period less than its normal term. |
| Tempe | | to be lower. | | |
| New Orleans | | | | Minimum Premium: The smallest |
| Clinton Township | | Make sure you have a new policy in | | amount of premium for which an |
| Florissant | | place before you cancel your old one | | insurer will issue coverage under a |
| Las Vegas | | to avoid a lapse in coverage. This will | | given policy. |
| Kansas City | | also prevent having to figure out the | | |
| Virginia Beach | | amount of any unused premium that is | | Losses Outstanding: A summary |
| Philadelphia | | due to you from your old insurance | | statement prepared by Property, Life, |
| Cincinnati | | company, or having to spar with your | | and Liability insurers showing claims |
| Lakeland | | agent about exactly when your policy | | not yet settled. |
| Joliet | | was cancelled and how much they | | |
| Tuscaloosa | | owe you. | | Replacement: A new policy written to |
| Tuscaloosa | | | | take the place of one currently in force. |
| Saginaw | | At InsWeb, you can compare free | | |
| Longview | | online insurance quotes from many of | | Incurred Expense: Expenses not yet |
| Alpharetta | | the nations leading insurance | | paid. Can also include paid |
| Conroe | | companies. | | expenses in some accounting |
| Hartford | | | | systems. |
| Arlington | | Everyone has different needs, and | | |
| Flushing | | not one size fits all when it comes to | | Cash Flow Underwriting: The use of |
| Seattle | | term life insurance. While it may make | | rating and premium collection |
| Scottsdale | | sense for people in their 30s and 40s | | techniques by insurance companies |
| Melbourne | | to secure a 20-year term length, a | | to maximize interest earnings on |
| Cherry Hill | | 10-year term might be more | | premiums. |
| Carlsbad | | appropriate for someone nearing | | |
| Bellevue | | retirement. | | |
