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| Richmond | | Make sure you have a new policy in | | Paid-In Surplus: Surplus paid in by |
| St. Paul | | place before you cancel your old one | | stockholders, as contrasted with |
| West Palm Beach | | to avoid a lapse in coverage. This will | | surplus earned through the |
| Santa Clara | | also prevent having to figure out the | | operations of a business. |
| Shreveport | | amount of any unused premium that is | | |
| Stamford | | due to you from your old insurance | | Foreign Insurer: An insurer domiciled |
| Fremont | | company, or having to spar with your | | in a state of the United States other |
| Clinton Township | | agent about exactly when your policy | | than the one in which the insured's |
| New Port Richey | | was cancelled and how much they | | insurance is written. |
| Oklahoma City | | owe you. | | |
| Vancouver | | | | Federal Deposit Insurance |
| Portland | | The best time to switch policies is | | Corporation (FDIC): An agency of the |
| Chesapeake | | within one month of receiving your | | federal government which insures |
| Belleville | | policy renewal from your current | | bank deposits up to a stated |
| York | | insurer. You can typically cancel your | | maximum. |
| Pasadena | | policy without any fees or penalties if | | |
| Arlington | | you act within this time period. | | Deficit Carried Forward: The transfer |
| St. Louis | | | | of a debit balance from one |
| Conroe | | We offer quotes for auto insurance, | | accounting period to another. |
| Charlotte | | life insurance, homeowners | | |
| Turlock | | insurance, health insurance, term life | | Underwriters Laboratories, Inc. (UL): A |
| Greeley | | insurance and more. | | testing laboratory for manufactured |
| Irvine | | | | items to determine their safety |
| Poughkeepsie | | Everyone has different needs, and | | propensities. |
| Wilmington | | not one size fits all when it comes to | | |
| San Francisco | | term life insurance. While it may make | | Legislative Risk: A risk faced by |
| Modesto | | sense for people in their 30s and 40s | | investors whereby changes in tax |
| Newark | | to secure a 20-year term length, a | | laws can result in adverse effects on |
| Englewood | | 10-year term might be more | | the individual's investment results. |
| Anaheim | | appropriate for someone nearing | | |
| York | | retirement. | | Policywriting Agent: An agent who has |
| Ogden | | | | the authority to prepare and effect an |
| Harlingen | | The quickest and easiest way to | | insurer's policy. |
| Lake Charles | | shop for new insurance is by | | |
| Virginia Beach | | comparing rates at InsWebs online | | |
| Tyler | | marketplace. If you do it the | | |
| Costa Mesa | | old-fashioned way (by calling or | | |
| Flushing | | visiting multiple agents or insurance | | |
| Chesapeake | | companies) it could take up a huge | | |
| Longwood | | chunk of your time, which no one | | |
| Escondido | | wants or needs. By completing | | |
| Pueblo | | InsWebs online application, you will | | |
| Silver Spring | | have rates to compare to your old | | |
| Johnstown | | ones within minutes! | | |
