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| Canton | | Shopping around is the best way to | | Substandard Risk: A risk not |
| Westbury | | save money on your insurance. | | measuring up to underwriting |
| Dearborn | | | | standards. It may still be written but |
| Killeen | | While some companies raise their | | usually at a surcharged premium. |
| Dayton | | prices based on your actual age, | | |
| Johnson City | | most companies increase the price of | | Calendar Year Experience: This |
| Anaheim | | their policies six months before your | | measures the premiums and losses |
| Stamford | | birthday. Its a term called Age | | entered on accounting records during |
| Salem | | Nearest in the industry, and that | | the 12-month calendar. |
| Newport News | | half-year price increase could really | | |
| Independence | | add up over a 20-year term policy. As | | Gain and Loss Exhibit: The portion of |
| Littleton | | above, the quicker you purchase your | | the convention blank which |
| Henderson | | policy the better. | | represents an analysis of gains, |
| El Paso | | | | losses, and surplus during an |
| Cranston | | Everyone has different needs, and | | accounting period. |
| Saginaw | | not one size fits all when it comes to | | |
| Alameda | | term life insurance. While it may make | | Book Value: Refers to the value of |
| Mesa | | sense for people in their 30s and 40s | | assets as shown in the official |
| Rapid City | | to secure a 20-year term length, a | | accounting records of the company. |
| Florissant | | 10-year term might be more | | |
| Tampa | | appropriate for someone nearing | | Leasehold: An agreement which |
| Springfield | | retirement. | | gives a person the right to use and |
| Hickory | | | | occupy property. |
| Houston | | The best time to switch policies is | | |
| Tucson | | within one month of receiving your | | Notice To Company: Written notice to |
| Evansville | | policy renewal from your current | | an insurer of the occurrence of an |
| Longmont | | insurer. You can typically cancel your | | event which a claim is to be based. |
| Sunnyvale | | policy without any fees or penalties if | | |
| Flint | | you act within this time period. | | Dual Life Stock Company: A stock |
| Salt Lake City | | | | Life insurer issuing both participating |
| Anchorage | | Why not take advantage of current | | and nonparticipating policy contracts. |
| Santa Barbara | | low prices? Many auto insurance | | |
| Morristown | | consumers are becoming educated | | Sherman Antitrust Act: An antitrust law |
| Santa Monica | | on other companies, plans, and rates | | from which insurance is exempted to |
| Portland | | that are available to them; ones that | | the extent that it is regulated by state |
| Aurora | | could afford them significant savings | | law. |
| Conroe | | on their auto insurance. | | |
