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| Torrance | | Make sure you have a new policy in | | Losses Incurred: The total losses, |
| Rockville | | place before you cancel your old one | | whether paid or not, sustained by an |
| Cincinnati | | to avoid a lapse in coverage. This will | | insurer during a given period, e.g., 12 |
| Marietta | | also prevent having to figure out the | | months. |
| Cranston | | amount of any unused premium that is | | |
| Tulsa | | due to you from your old insurance | | Sole Proprietorship: A business |
| Gainesville | | company, or having to spar with your | | enterprise owned by one person who |
| Fresno | | agent about exactly when your policy | | is its manager and employee. |
| Longwood | | was cancelled and how much they | | |
| Monroe | | owe you. | | Policy Anniversary: The anniversary |
| West Chester | | | | of the date of issue of a policy as |
| Erie | | At InsWeb, you can compare free | | shown in the policy declarations. |
| Olympia | | online insurance quotes from many of | | |
| Santa Barbara | | the nations leading insurance | | Divided Cover: The placing of |
| Rapid City | | companies. | | insurance on a given subject or |
| Ogden | | | | object with more than one insurer. |
| Goldsboro | | Individuals who have 30-year | | |
| Chandler | | mortgages might want to consider a | | Policywriting Agent: An agent who has |
| Madison | | 30-year term to ensure that the house | | the authority to prepare and effect an |
| Pompano Beach | | is protected throughout the period of | | insurer's policy. |
| Honolulu | | the loan. | | |
| Littleton | | | | Insurance Examiner: The |
| Virginia Beach | | Everyone has different needs, and | | representative of a state insurance |
| Las Vegas | | not one size fits all when it comes to | | department assigned to participate in |
| Scranton | | term life insurance. While it may make | | the official audit and examination of |
| Newark | | sense for people in their 30s and 40s | | an insurer. |
| Longmont | | to secure a 20-year term length, a | | |
| Pittsburgh | | 10-year term might be more | | Short Rate Premium: The premium |
| Tuscaloosa | | appropriate for someone nearing | | required for issuing a policy for a |
| St. Joseph | | retirement. | | period less than its normal term. |
