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| Lawrenceville | | Shopping around is the best way to | | Insurance Examiner: The |
| Inglewood | | save money on your insurance. | | representative of a state insurance |
| Stockton | | | | department assigned to participate in |
| Vancouver | | Everyone has different needs, and | | the official audit and examination of |
| Owensboro | | not one size fits all when it comes to | | an insurer. |
| Salt Lake City | | term life insurance. While it may make | | |
| El Cajon | | sense for people in their 30s and 40s | | Submitted Business: Applications for |
| Richmond | | to secure a 20-year term length, a | | insurance submitted to an insurer but |
| Santa Rosa | | 10-year term might be more | | not yet acted upon by it. |
| Topeka | | appropriate for someone nearing | | |
| Jacksonville | | retirement. | | Not Taken: Policies applied for and |
| Fort Myers | | | | issued but rejected by the proposed |
| Dothan | | If you have noticed that your auto | | owner and not paid for. |
| Lafayette | | insurance rates are still increasing | | |
| Newport News | | with each renewal, or even have not | | License: A certification of authority for |
| Walnut Creek | | gone down even though you have a | | an agent or insurer to operate, given |
| Oxnard | | great driving record, this lower pricing | | by the appropriate jurisdiction. |
| Livonia | | trend makes it more important then | | |
| St. Joseph | | ever that you shop around for auto | | Agency Company: An insurance |
| Costa Mesa | | insurance. | | company that produces business |
| Marietta | | | | through an agency network. Contrast |
| Williamsport | | The best time to switch policies is | | with Direct Writer. |
| Midland | | within one month of receiving your | | |
| Asheville | | policy renewal from your current | | Insurance to Value: Insurance written |
| Decatur | | insurer. You can typically cancel your | | in an amount approximating the value |
| Houston | | policy without any fees or penalties if | | of the property insured. |
| Beaumont | | you act within this time period. | | |
| Bloomington | | | | Losses Incurred: The total losses, |
| Oklahoma City | | While some companies raise their | | whether paid or not, sustained by an |
| Billings | | prices based on your actual age, | | insurer during a given period, e.g., 12 |
| Sacramento | | most companies increase the price of | | months. |
| Stockbridge | | their policies six months before your | | |
| Albany | | birthday. Its a term called Age | | Lloyd's Broker: A person who has the |
| Bellevue | | Nearest in the industry, and that | | authority to negotiate insurance |
| Pembroke Pines | | half-year price increase could really | | contracts with the underwriters on the |
| Long Island City | | add up over a 20-year term policy. As | | floor at Lloyd's. |
| Santa Clara | | above, the quicker you purchase your | | |
| Kalamazoo | | policy the better. | | |
