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| Rapid City | | If you decide to cancel your policy | | Director of Insurance: A title used in |
| Huntington | | (after acquiring new coverage) | | some states for the head of the |
| Conroe | | outside of the 30-day period, you may | | department of insurance. |
| Jackson | | have to pay a fee or penalty. | | |
| Bakersfield | | However, you may still save money | | Calendar Year Experience: This |
| New Port Richey | | after paying the fee if your new policy | | measures the premiums and losses |
| Omaha | | affords you significant savings. So | | entered on accounting records during |
| Greensboro | | while it is best to wait until your | | the 12-month calendar. |
| Irvine | | receive your renewal notice, you CAN | | |
| Los Angeles | | cancel your policy at any time. | | Premium Notice: A form notice from |
| Portland | | | | an insurer or agency to a policy |
| Albany | | We offer quotes for auto insurance, | | owner that a premium will be due on a |
| Henderson | | life insurance, homeowners | | given date. |
| Venice | | insurance, health insurance, term life | | |
| Saginaw | | insurance and more. | | Absolute Assignment: Assignment by |
| Shreveport | | | | a policy owner of all control of and |
| Gaithersburg | | The quickest and easiest way to | | rights in the policy to a third party. |
| Santa Ana | | shop for new insurance is by | | |
| Panama City | | comparing rates at InsWebs online | | Depreciation: A decrease in the value |
| Newport News | | marketplace. If you do it the | | of any type of tangible property over |
| Evanston | | old-fashioned way (by calling or | | a period of time resulting from use, |
| Peoria | | visiting multiple agents or insurance | | wear and tear, or obsolescence. |
| Waco | | companies) it could take up a huge | | |
| Lawrenceville | | chunk of your time, which no one | | Convention Values: Values assigned |
| Fayetteville | | wants or needs. By completing | | to insurers' assets in the convention |
| Santa Ana | | InsWebs online application, you will | | blank. |
| Boise | | have rates to compare to your old | | |
| Wilmington | | ones within minutes! | | Divided Cover: The placing of |
| Rockford | | | | insurance on a given subject or |
| Columbia | | Everyone has different needs, and | | object with more than one insurer. |
| Philadelphia | | not one size fits all when it comes to | | |
| Las Cruces | | term life insurance. While it may make | | Losses Incurred: The total losses, |
| Naperville | | sense for people in their 30s and 40s | | whether paid or not, sustained by an |
| Hollywood | | to secure a 20-year term length, a | | insurer during a given period, e.g., 12 |
| San Antonio | | 10-year term might be more | | months. |
| Columbia | | appropriate for someone nearing | | |
| Anderson | | retirement. | | |
