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| Torrance | | Make sure you have a new policy in | | Minimum Premium: The smallest |
| Clearwater | | place before you cancel your old one | | amount of premium for which an |
| Ogden | | to avoid a lapse in coverage. This will | | insurer will issue coverage under a |
| Miami | | also prevent having to figure out the | | given policy. |
| Cherry Hill | | amount of any unused premium that is | | |
| Rockville | | due to you from your old insurance | | FICA. Federal Insurance Contributions |
| Fayetteville | | company, or having to spar with your | | Act: A law imposing a payroll tax to |
| Longmont | | agent about exactly when your policy | | assist in funding Social Security |
| Hattiesburg | | was cancelled and how much they | | benefits. |
| Richmond | | owe you. | | |
| Greensboro | | | | Broker of Record: A broker who has |
| White Plains | | People who are trying to quit | | been designated to handle certain |
| Yuma | | smoking, for example, might be best | | insurance contracts for the |
| Spokane | | suited purchasing a shorter term (and | | policyholder. |
| Bakersfield | | then replacing it with a longer term | | |
| Schenectady | | policy when they qualify for | | Gain and Loss Exhibit: The portion of |
| Whittier | | non-tobacco prices). | | the convention blank which |
| San Jose | | | | represents an analysis of gains, |
| Arlington | | If you have noticed that your auto | | losses, and surplus during an |
| St. Joseph | | insurance rates are still increasing | | accounting period. |
| Garland | | with each renewal, or even have not | | |
| Austin | | gone down even though you have a | | Fiduciary: A person holding the funds |
| Wichita | | great driving record, this lower pricing | | or property of another in a position of |
| Aurora | | trend makes it more important then | | trust. An example would be the |
| Cedar Rapids | | ever that you shop around for auto | | executor of an estate. |
| Oakland | | insurance. | | |
| Boulder | | | | Indemnity: Restoration to the victim of |
| Tulsa | | The quickest and easiest way to | | a loss by payment, repair, or |
| South Bend | | shop for new insurance is by | | replacement. |
| Athens | | comparing rates at InsWebs online | | |
| Toledo | | marketplace. If you do it the | | Premises: The particular location of |
| Decatur | | old-fashioned way (by calling or | | property or a portion thereof as |
| Hot Springs | | visiting multiple agents or insurance | | designated in a policy. |
| Tyler | | companies) it could take up a huge | | |
| Savannah | | chunk of your time, which no one | | |
| Kalamazoo | | wants or needs. By completing | | |
| Downey | | InsWebs online application, you will | | |
| Vancouver | | have rates to compare to your old | | |
| Midland | | ones within minutes! | | |