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| Columbia | | We offer quotes for auto insurance, | | Fiduciary: A person holding the funds |
| Portsmouth | | life insurance, homeowners | | or property of another in a position of |
| Belleville | | insurance, health insurance, term life | | trust. An example would be the |
| Decatur | | insurance and more. | | executor of an estate. |
| Schaumburg | | | | |
| San Francisco | | People who are trying to quit | | Sherman Antitrust Act: An antitrust law |
| Bloomington | | smoking, for example, might be best | | from which insurance is exempted to |
| Santa Barbara | | suited purchasing a shorter term (and | | the extent that it is regulated by state |
| Johnstown | | then replacing it with a longer term | | law. |
| Jackson | | policy when they qualify for | | |
| Virginia Beach | | non-tobacco prices). | | Inspection: Independent checking on |
| Stockbridge | | | | facts about an applicant, |
| Springfield | | Healthy people have the best | | policyholder, or claimant, usually by a |
| Arlington | | mortality risks and thus are much | | commercial inspection agency. |
| San Bernardino | | cheaper for companies to insure. This | | |
| Indianapolis | | translates into lower rates for the | | Open Rating: A system whereby a |
| Cypress | | Super Preferred customer than | | state allows an insurer to use rates |
| Springfield | | someone with higher risk factors such | | without prior approval. |
| Amarillo | | as a heart condition, cancer or | | |
| Dothan | | diabetes. Conversely, if you were | | Indemnity: Restoration to the victim of |
| Anaheim | | unhealthy when you acquired your | | a loss by payment, repair, or |
| Jacksonville | | policy, and your health has now | | replacement. |
| Peoria | | improved, it might be time to shop for | | |
| Cambridge | | a new policy, as your rates are likely | | Retrospective Premium: The final |
| Tulsa | | to be lower. | | premium in a retrospective rating |
| Gainesville | | | | plan. See Retrospective Rating. |
| High Point | | If you decide to cancel your policy | | |
| Anderson | | (after acquiring new coverage) | | Mandatory Valuation Reserve: A |
| Boulder | | outside of the 30-day period, you may | | reserve required by a state law to |
| Aurora | | have to pay a fee or penalty. | | offset any declines in the valuation of |
| Rochester | | However, you may still save money | | securities listed as admitted assets. |
| Milwaukee | | after paying the fee if your new policy | | |
| Burbank | | affords you significant savings. So | | Shock Loss: A catastrophic loss so |
| Waco | | while it is best to wait until your | | large that it has a material effect on |
| Duluth | | receive your renewal notice, you CAN | | the underwriting results of a company. |
| Montgomery | | cancel your policy at any time. | | |
