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| Denton | | If you decide to cancel your policy | | Mandatory Valuation Reserve: A |
| Naperville | | (after acquiring new coverage) | | reserve required by a state law to |
| San Francisco | | outside of the 30-day period, you may | | offset any declines in the valuation of |
| West Palm Beach | | have to pay a fee or penalty. | | securities listed as admitted assets. |
| Fairfax | | However, you may still save money | | |
| Columbus | | after paying the fee if your new policy | | Independent Contractor: One who |
| Dallas | | affords you significant savings. So | | agrees to perform according to a |
| Mountain View | | while it is best to wait until your | | contract and who is not an employee. |
| Sioux Falls | | receive your renewal notice, you CAN | | |
| Muncie | | cancel your policy at any time. | | Net Interest Earned: The average |
| Cookeville | | | | interest earned by an insurer on its |
| Amarillo | | Make sure you have a new policy in | | investments after investment expense |
| Baton Rouge | | place before you cancel your old one | | but before federal income taxes. |
| Walnut Creek | | to avoid a lapse in coverage. This will | | |
| Norfolk | | also prevent having to figure out the | | Collusion: An agreement, usually |
| Redlands | | amount of any unused premium that is | | secret, between two or more persons |
| Decatur | | due to you from your old insurance | | to defraud or deprive another or |
| Englewood | | company, or having to spar with your | | others of their property or rights. |
| Boulder | | agent about exactly when your policy | | |
| Nashua | | was cancelled and how much they | | Partial Loss: A loss covered by an |
| Lubbock | | owe you. | | insurance policy which does not |
| Kansas City | | | | completely destroy or render |
| Evanston | | Individuals who have 30-year | | worthless the insured property. |
| Boynton Beach | | mortgages might want to consider a | | |
| Phoenix | | 30-year term to ensure that the house | | Cash Flow Underwriting: The use of |
| Buffalo | | is protected throughout the period of | | rating and premium collection |
| Bronx | | the loan. | | techniques by insurance companies |
| Lakeland | | | | to maximize interest earnings on |
| Joliet | | Why not take advantage of current | | premiums. |
| Valdosta | | low prices? Many auto insurance | | |
| Asheville | | consumers are becoming educated | | Provisions: Statements contained in |
| Denton | | on other companies, plans, and rates | | an insurance policy which explain the |
| Olympia | | that are available to them; ones that | | benefits, conditions and other |
| Gaithersburg | | could afford them significant savings | | features of the insurance contract. |
| Marietta | | on their auto insurance. | | |
