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| New Port Richey | | People who are trying to quit | | Deficit Carried Forward: The transfer |
| Aurora | | smoking, for example, might be best | | of a debit balance from one |
| Baltimore | | suited purchasing a shorter term (and | | accounting period to another. |
| Hendersonville | | then replacing it with a longer term | | |
| Newport News | | policy when they qualify for | | Incurred Expense: Expenses not yet |
| Walnut Creek | | non-tobacco prices). | | paid. Can also include paid |
| Baton Rouge | | | | expenses in some accounting |
| Albany | | If you decide to cancel your policy | | systems. |
| Manchester | | (after acquiring new coverage) | | |
| Hemet | | outside of the 30-day period, you may | | Policywriting Agent: An agent who has |
| Milwaukee | | have to pay a fee or penalty. | | the authority to prepare and effect an |
| Corona | | However, you may still save money | | insurer's policy. |
| Orange Park | | after paying the fee if your new policy | | |
| Cape Coral | | affords you significant savings. So | | Criticism: A correction suggested by a |
| Seattle | | while it is best to wait until your | | rating or auditing bureau to an insurer. |
| Jasper | | receive your renewal notice, you CAN | | |
| Pueblo | | cancel your policy at any time. | | Initial Premium: An amount paid at the |
| Hartford | | | | inception of an insurance contract, |
| North Hollywood | | The quickest and easiest way to | | usually subject to adjustment at the |
| Trenton | | shop for new insurance is by | | end of the policy period. |
| Longmont | | comparing rates at InsWebs online | | |
| Bayside | | marketplace. If you do it the | | Interstate Carrier: A transportation |
| Pensacola | | old-fashioned way (by calling or | | company which does business |
| Daytona Beach | | visiting multiple agents or insurance | | across state lines. |
| Edmond | | companies) it could take up a huge | | |
| Youngstown | | chunk of your time, which no one | | Independent Contractor: One who |
| Raleigh | | wants or needs. By completing | | agrees to perform according to a |
| Palm Desert | | InsWebs online application, you will | | contract and who is not an employee. |
| Portland | | have rates to compare to your old | | |
| Albany | | ones within minutes! | | Claim Expense: The expense of |
| Bronx | | | | adjusting a claim, such as |
| Hemet | | While some companies raise their | | investigation and attorneys' fees. It |
| Stuart | | prices based on your actual age, | | does not include the cost of the claim |
| Alpharetta | | most companies increase the price of | | itself. |
| Chula Vista | | their policies six months before your | | |
| Columbus | | birthday. Its a term called Age | | |
| Myrtle Beach | | Nearest in the industry, and that | | |
| Vancouver | | half-year price increase could really | | |
| Kansas City | | add up over a 20-year term policy. As | | |
| Seattle | | above, the quicker you purchase your | | |
| Scottsdale | | policy the better. | | |
