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| Vineland | | At InsWeb, you can compare free | | Malicious Mischief: Similar to |
| Buffalo | | online insurance quotes from many of | | vandalism. Purposely damaging the |
| Cleveland | | the nations leading insurance | | rights or property of another. |
| Savannah | | companies. | | |
| Waterloo | | | | Business: In Property, Liability, and |
| Staten Island | | People who are trying to quit | | Health lines, it usually refers to the |
| Miami | | smoking, for example, might be best | | volume of premiums. |
| Athens | | suited purchasing a shorter term (and | | |
| Columbus | | then replacing it with a longer term | | Fiduciary: A person holding the funds |
| Clinton Township | | policy when they qualify for | | or property of another in a position of |
| San Bernardino | | non-tobacco prices). | | trust. An example would be the |
| Williamsport | | | | executor of an estate. |
| Florence | | The best time to switch policies is | | |
| Anaheim | | within one month of receiving your | | Paid-In Surplus: Surplus paid in by |
| Harlingen | | policy renewal from your current | | stockholders, as contrasted with |
| Boston | | insurer. You can typically cancel your | | surplus earned through the |
| Jacksonville | | policy without any fees or penalties if | | operations of a business. |
| Erie | | you act within this time period. | | |
| Fall River | | | | Calendar Year Experience: This |
| Greensboro | | Make sure you have a new policy in | | measures the premiums and losses |
| Conroe | | place before you cancel your old one | | entered on accounting records during |
| Dubuque | | to avoid a lapse in coverage. This will | | the 12-month calendar. |
| Cape Coral | | also prevent having to figure out the | | |
| Mountain View | | amount of any unused premium that is | | Policy Anniversary: The anniversary |
| Fairfax | | due to you from your old insurance | | of the date of issue of a policy as |
| Fort Lauderdale | | company, or having to spar with your | | shown in the policy declarations. |
| Alpharetta | | agent about exactly when your policy | | |
| Bethlehem | | was cancelled and how much they | | Dual Life Stock Company: A stock |
| Athens | | owe you. | | Life insurer issuing both participating |
| San Jose | | | | and nonparticipating policy contracts. |
| Albany | | Healthy people have the best | | |
| Macon | | mortality risks and thus are much | | Cash Flow Underwriting: The use of |
| Pensacola | | cheaper for companies to insure. This | | rating and premium collection |
| Rockford | | translates into lower rates for the | | techniques by insurance companies |
| Des Moines | | Super Preferred customer than | | to maximize interest earnings on |
| Akron | | someone with higher risk factors such | | premiums. |
| Shreveport | | as a heart condition, cancer or | | |
| Greensboro | | diabetes. Conversely, if you were | | |
| Racine | | unhealthy when you acquired your | | |
| Boca Raton | | policy, and your health has now | | |
| El Paso | | improved, it might be time to shop for | | |
| Columbus | | a new policy, as your rates are likely | | |
| Mesa | | to be lower. | | |
