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| Fort Lauderdale | | People who are trying to quit | | Cash Flow Underwriting: The use of |
| Mesa | | smoking, for example, might be best | | rating and premium collection |
| Troy | | suited purchasing a shorter term (and | | techniques by insurance companies |
| Gainesville | | then replacing it with a longer term | | to maximize interest earnings on |
| Las Vegas | | policy when they qualify for | | premiums. |
| Slidell | | non-tobacco prices). | | |
| Stockton | | | | Independent Agent: An agent |
| Union | | Shopping around is the best way to | | operating as an independent |
| Metairie | | save money on your insurance. | | contractor under the independent |
| Poughkeepsie | | | | agency system. |
| Garland | | Everyone has different needs, and | | |
| Lancaster | | not one size fits all when it comes to | | Notice of Cancellation: Written notice |
| Fullerton | | term life insurance. While it may make | | by an insurer of intent to cancel |
| Lubbock | | sense for people in their 30s and 40s | | insurance, or written notice by an |
| Alameda | | to secure a 20-year term length, a | | insured requesting cancellation. |
| Acworth | | 10-year term might be more | | |
| Cherry Hill | | appropriate for someone nearing | | Standard Industry Code (SIC): This is |
| Sunnyvale | | retirement. | | a coding system which assigns |
| Bethlehem | | | | separate codes for different types of |
| Lorain | | If you have noticed that your auto | | industries. |
| Sterling Heights | | insurance rates are still increasing | | |
| Naples | | with each renewal, or even have not | | Commingling: An illegal practice |
| Anaheim | | gone down even though you have a | | which occurs when an agent mixes |
| Shreveport | | great driving record, this lower pricing | | personal funds with the insured's or |
| Ann Arbor | | trend makes it more important then | | insurer's funds. |
| Buffalo | | ever that you shop around for auto | | |
| Pompano Beach | | insurance. | | Premises: The particular location of |
| Portland | | | | property or a portion thereof as |
| Hollywood | | While some companies raise their | | designated in a policy. |
| Winter Haven | | prices based on your actual age, | | |
| Fredericksburg | | most companies increase the price of | | Net Retention: The amount of |
| Rochester | | their policies six months before your | | insurance that a ceding company |
| Newark | | birthday. Its a term called Age | | keeps for its own account and does |
| Gainesville | | Nearest in the industry, and that | | not reinsure. |
| Huntington Beach | | half-year price increase could really | | |
| Williamsport | | add up over a 20-year term policy. As | | |
| Santa Clara | | above, the quicker you purchase your | | |
| Decatur | | policy the better. | | |
