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| Macon | | The best time to switch policies is | | Burning Ratio: The ratio of losses |
| Bayside | | within one month of receiving your | | suffered to the amount of insurance in |
| Chandler | | policy renewal from your current | | effect. |
| Pasadena | | insurer. You can typically cancel your | | |
| El Paso | | policy without any fees or penalties if | | Initial Premium: An amount paid at the |
| Cherry Hill | | you act within this time period. | | inception of an insurance contract, |
| Washington | | | | usually subject to adjustment at the |
| Schenectady | | We offer quotes for auto insurance, | | end of the policy period. |
| Scranton | | life insurance, homeowners | | |
| Cape Coral | | insurance, health insurance, term life | | Collusion: An agreement, usually |
| Houston | | insurance and more. | | secret, between two or more persons |
| Boynton Beach | | | | to defraud or deprive another or |
| Riverside | | The quickest and easiest way to | | others of their property or rights. |
| Orange Park | | shop for new insurance is by | | |
| Rockford | | comparing rates at InsWebs online | | Losses Outstanding: A summary |
| Naples | | marketplace. If you do it the | | statement prepared by Property, Life, |
| Kalamazoo | | old-fashioned way (by calling or | | and Liability insurers showing claims |
| Garland | | visiting multiple agents or insurance | | not yet settled. |
| Stuart | | companies) it could take up a huge | | |
| Greenville | | chunk of your time, which no one | | Dual Life Stock Company: A stock |
| Cape Coral | | wants or needs. By completing | | Life insurer issuing both participating |
| Rockford | | InsWebs online application, you will | | and nonparticipating policy contracts. |
| Springfield | | have rates to compare to your old | | |
| Conroe | | ones within minutes! | | Mandatory Valuation Reserve: A |
| Lubbock | | | | reserve required by a state law to |
| Corona | | Individuals who have 30-year | | offset any declines in the valuation of |
| Corpus Christi | | mortgages might want to consider a | | securities listed as admitted assets. |
| Hollywood | | 30-year term to ensure that the house | | |
| Torrance | | is protected throughout the period of | | Lloyd's Broker: A person who has the |
| Portland | | the loan. | | authority to negotiate insurance |
| Spokane | | | | contracts with the underwriters on the |
| Melbourne | | If you have noticed that your auto | | floor at Lloyd's. |
| Oakland | | insurance rates are still increasing | | |
| Lexington | | with each renewal, or even have not | | Mutualization: The process of |
| Schaumburg | | gone down even though you have a | | converting a stock insurer to a mutual |
| Syracuse | | great driving record, this lower pricing | | insurer, accomplished by having the |
| Seattle | | trend makes it more important then | | insurer buy stock and retire it. |
| Asheville | | ever that you shop around for auto | | |
| Mobile | | insurance. | | |
