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| Newport Beach | | Make sure you have a new policy in | | First Party Insurance: Insurance which |
| Delray Beach | | place before you cancel your old one | | applies to coverage for the insured's |
| Wilmington | | to avoid a lapse in coverage. This will | | own property or person. Contrast with |
| Decatur | | also prevent having to figure out the | | Third Party Insurance. |
| Decatur | | amount of any unused premium that is | | |
| Jackson | | due to you from your old insurance | | Shock Loss: A catastrophic loss so |
| Houston | | company, or having to spar with your | | large that it has a material effect on |
| Nashua | | agent about exactly when your policy | | the underwriting results of a company. |
| Charleston | | was cancelled and how much they | | |
| Johnson City | | owe you. | | Underinsurance: A condition in which |
| North Hollywood | | | | not enough insurance is carried to |
| Rockford | | Healthy people have the best | | cover the insurable value. |
| Spokane | | mortality risks and thus are much | | |
| Lawrenceville | | cheaper for companies to insure. This | | Approved: The condition which exists |
| Tulsa | | translates into lower rates for the | | when the person or object to be |
| Detroit | | Super Preferred customer than | | insured meets the underwriting |
| Valdosta | | someone with higher risk factors such | | standards of the insurer. |
| Williamsport | | as a heart condition, cancer or | | |
| Manchester | | diabetes. Conversely, if you were | | Insolvent Insurer: An insurer which is |
| Rockford | | unhealthy when you acquired your | | unable to meet its financial |
| Hemet | | policy, and your health has now | | obligations. |
| Anderson | | improved, it might be time to shop for | | |
| Huntington | | a new policy, as your rates are likely | | Liquidity: The ability of an insurer to |
| Berkeley | | to be lower. | | convert its assets into cash to pay |
| Arlington | | | | claims if necessary. |
| Boston | | The quickest and easiest way to | | |
| Bloomington | | shop for new insurance is by | | Paid-In Surplus: Surplus paid in by |
| Palm Harbor | | comparing rates at InsWebs online | | stockholders, as contrasted with |
| Boise | | marketplace. If you do it the | | surplus earned through the |
| Sioux City | | old-fashioned way (by calling or | | operations of a business. |
| Goldsboro | | visiting multiple agents or insurance | | |
| New York | | companies) it could take up a huge | | Business: In Property, Liability, and |
| Springfield | | chunk of your time, which no one | | Health lines, it usually refers to the |
| Long Island City | | wants or needs. By completing | | volume of premiums. |
| Denton | | InsWebs online application, you will | | |
| Cedar Rapids | | have rates to compare to your old | | |
| Honolulu | | ones within minutes! | | |
