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| Huntington Beach | | Healthy people have the best | | Brick Veneer Construction: Refers to |
| Long Island City | | mortality risks and thus are much | | a building where the outside walls are |
| New York | | cheaper for companies to insure. This | | constructed of wood with a facing of a |
| Winter Haven | | translates into lower rates for the | | single layer of brick. |
| Reno | | Super Preferred customer than | | |
| Houma | | someone with higher risk factors such | | You/Your: These words are used to |
| Elkhart | | as a heart condition, cancer or | | refer to the named insured in many of |
| Denver | | diabetes. Conversely, if you were | | the modernized/personalized policy |
| Pittsburgh | | unhealthy when you acquired your | | forms. |
| Palo Alto | | policy, and your health has now | | |
| Baton Rouge | | improved, it might be time to shop for | | Standard Industry Code (SIC): This is |
| Dallas | | a new policy, as your rates are likely | | a coding system which assigns |
| Stamford | | to be lower. | | separate codes for different types of |
| Ventura | | | | industries. |
| Fayetteville | | Make sure you have a new policy in | | |
| Scottsdale | | place before you cancel your old one | | Book Value: Refers to the value of |
| Cincinnati | | to avoid a lapse in coverage. This will | | assets as shown in the official |
| Zanesville | | also prevent having to figure out the | | accounting records of the company. |
| Hattiesburg | | amount of any unused premium that is | | |
| Dayton | | due to you from your old insurance | | Brokerage Department: A department |
| Minneapolis | | company, or having to spar with your | | of an insurer whose purpose is to |
| Toledo | | agent about exactly when your policy | | deal with brokers in the placing of |
| Reno | | was cancelled and how much they | | insurance. |
| Dubuque | | owe you. | | |
| Sacramento | | | | Deficit Carried Forward: The transfer |
| Duluth | | We offer quotes for auto insurance, | | of a debit balance from one |
| Melbourne | | life insurance, homeowners | | accounting period to another. |
| Rome | | insurance, health insurance, term life | | |
| Olympia | | insurance and more. | | Valuation Clause: A clause stating the |
| Jasper | | | | value of items for insurance |
| High Point | | If you decide to cancel your policy | | purposes, making it a valued policy. |
| Kansas City | | (after acquiring new coverage) | | |
| Chesapeake | | outside of the 30-day period, you may | | Insurance Examiner: The |
| Metairie | | have to pay a fee or penalty. | | representative of a state insurance |
| Florissant | | However, you may still save money | | department assigned to participate in |
| Kalamazoo | | after paying the fee if your new policy | | the official audit and examination of |
| Jackson | | affords you significant savings. So | | an insurer. |
| Lawton | | while it is best to wait until your | | |
| Spartanburg | | receive your renewal notice, you CAN | | |
| Lakewood | | cancel your policy at any time. | | |