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| Williamsport | | Individuals who have 30-year | | Insolvent Insurer: An insurer which is |
| Muncie | | mortgages might want to consider a | | unable to meet its financial |
| Seattle | | 30-year term to ensure that the house | | obligations. |
| Huntington Beach | | is protected throughout the period of | | |
| Union | | the loan. | | Overlapping Insurance: Coverage |
| Lawrenceville | | | | from two or more policies or insurers |
| Nashville | | If you decide to cancel your policy | | which duplicates coverage of certain |
| Lorain | | (after acquiring new coverage) | | risks. |
| Tacoma | | outside of the 30-day period, you may | | |
| Lakeland | | have to pay a fee or penalty. | | Cash Flow Underwriting: The use of |
| Inglewood | | However, you may still save money | | rating and premium collection |
| Lima | | after paying the fee if your new policy | | techniques by insurance companies |
| St. Louis | | affords you significant savings. So | | to maximize interest earnings on |
| Toms River | | while it is best to wait until your | | premiums. |
| Nashua | | receive your renewal notice, you CAN | | |
| Lorain | | cancel your policy at any time. | | Admitted (or Allowed) Assets: Assets |
| Anderson | | | | whose values are permitted by state |
| Boca Raton | | People who are trying to quit | | law to be included in the annual |
| Littleton | | smoking, for example, might be best | | statement of the insurer. |
| Belleville | | suited purchasing a shorter term (and | | |
| Flint | | then replacing it with a longer term | | Brokerage Business: Business |
| Overland Park | | policy when they qualify for | | offered to an insurer by a broker. This |
| Bloomington | | non-tobacco prices). | | is sometimes called excess or |
| Lafayette | | | | surplus business. |
| Erie | | Everyone has different needs, and | | |
| Ocala | | not one size fits all when it comes to | | Basic Rate: The manual rate from |
| Duluth | | term life insurance. While it may make | | which discounts are taken or to which |
| Bradenton | | sense for people in their 30s and 40s | | charges are added to reflect the |
| Fort Smith | | to secure a 20-year term length, a | | individual circumstances of a risk. |
| Bradenton | | 10-year term might be more | | |
| Nashville | | appropriate for someone nearing | | Convention Values: Values assigned |
| Long Island City | | retirement. | | to insurers' assets in the convention |
| Springfield | | | | blank. |
| Topeka | | If you have noticed that your auto | | |
| West Palm Beach | | insurance rates are still increasing | | |
| Ventura | | with each renewal, or even have not | | |
| Ocala | | gone down even though you have a | | |
| Rome | | great driving record, this lower pricing | | |
| New Orleans | | trend makes it more important then | | |
| Racine | | ever that you shop around for auto | | |
| Greensboro | | insurance. | | |
