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| Colorado Springs | | The best time to switch policies is | | Examiner: An employee assigned by |
| Syracuse | | within one month of receiving your | | the state insurance department to |
| Lafayette | | policy renewal from your current | | audit insurers' records. |
| Oxnard | | insurer. You can typically cancel your | | |
| Huntington | | policy without any fees or penalties if | | Notice To Company: Written notice to |
| Oklahoma City | | you act within this time period. | | an insurer of the occurrence of an |
| Shreveport | | | | event which a claim is to be based. |
| Stamford | | Shopping around is the best way to | | |
| Vero Beach | | save money on your insurance. | | Authorized Insurer: An insurer |
| Clarksville | | | | authorized by the state to transact |
| Columbus | | Individuals who have 30-year | | business in that state for specific |
| Hickory | | mortgages might want to consider a | | types of insurance. |
| Berkeley | | 30-year term to ensure that the house | | |
| Fort Smith | | is protected throughout the period of | | Premium: The price of insurance |
| Tulsa | | the loan. | | protection for a specified risk for a |
| Palm Harbor | | | | specified period of time. |
| Lima | | People who are trying to quit | | |
| Newark | | smoking, for example, might be best | | Standard Industry Code (SIC): This is |
| Sumter | | suited purchasing a shorter term (and | | a coding system which assigns |
| Winter Haven | | then replacing it with a longer term | | separate codes for different types of |
| Dothan | | policy when they qualify for | | industries. |
| Midland | | non-tobacco prices). | | |
| Beaumont | | | | Single Limit: Any insurance coverage |
| Fayetteville | | Life insurance, specifically Term Life, | | which is expressed as a single |
| Oxnard | | is arguably one of the best values in | | amount of insurance, or a single limit |
| Shreveport | | the entire financial services arena. | | of liability. Contrast with Split Limit. |
| Flint | | Where else can you go and get | | |
| Downey | | hundreds of thousands of dollars in | | Short-Term Policy: A policy written for |
| Atlanta | | protection for literally pennies per | | a period of less time than is normal for |
| Slidell | | day? Rates for Term Life insurance | | that type of policy. |
| Columbus | | remain at all-time lows, and now is the | | |
| Scottsdale | | time to lock in the best prices. | | Incurred Expense: Expenses not yet |
| Rapid City | | | | paid. Can also include paid |
| Fort Smith | | At InsWeb, you can compare free | | expenses in some accounting |
| Albany | | online insurance quotes from many of | | systems. |
| Youngstown | | the nations leading insurance | | |
| Worcester | | companies. | | |
