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| Louisville | | The best time to switch policies is | | Fictitious Groups: Groups formed |
| Springfield | | within one month of receiving your | | primarily for the purpose of buying |
| Quincy | | policy renewal from your current | | insurance. Under the law such groups |
| Decatur | | insurer. You can typically cancel your | | may not be underwritten. |
| Kansas City | | policy without any fees or penalties if | | |
| Albany | | you act within this time period. | | Legislative Risk: A risk faced by |
| Pompano Beach | | | | investors whereby changes in tax |
| Fairfax | | Individuals who have 30-year | | laws can result in adverse effects on |
| Stockbridge | | mortgages might want to consider a | | the individual's investment results. |
| Livonia | | 30-year term to ensure that the house | | |
| Zanesville | | is protected throughout the period of | | Losses Outstanding: A summary |
| Columbus | | the loan. | | statement prepared by Property, Life, |
| Springfield | | | | and Liability insurers showing claims |
| Santa Rosa | | Why not take advantage of current | | not yet settled. |
| Bayside | | low prices? Many auto insurance | | |
| Lexington | | consumers are becoming educated | | Renewal: The reestablishment of the |
| Columbus | | on other companies, plans, and rates | | in-force status of a policy, the term of |
| Stamford | | that are available to them; ones that | | which has expired or will expire |
| El Cajon | | could afford them significant savings | | unless it is renewed. |
| Louisville | | on their auto insurance. | | |
| Athens | | | | Insurance to Value: Insurance written |
| Lexington | | If you have noticed that your auto | | in an amount approximating the value |
| Jasper | | insurance rates are still increasing | | of the property insured. |
| Glendale | | with each renewal, or even have not | | |
| Vero Beach | | gone down even though you have a | | Agency Contract (or Agreement): The |
| Inglewood | | great driving record, this lower pricing | | document which establishes the legal |
| Pembroke Pines | | trend makes it more important then | | relationship between an agent and an |
| Lansing | | ever that you shop around for auto | | insurer. |
| Corpus Christi | | insurance. | | |
| San Jose | | | | Brokerage Department: A department |
| Fayetteville | | People who are trying to quit | | of an insurer whose purpose is to |
| Bloomington | | smoking, for example, might be best | | deal with brokers in the placing of |
| Youngstown | | suited purchasing a shorter term (and | | insurance. |
| Anaheim | | then replacing it with a longer term | | |
| Anderson | | policy when they qualify for | | |
| Sioux Falls | | non-tobacco prices). | | |
