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| Athens | | Why not take advantage of current | | Premium Notice: A form notice from |
| Reading | | low prices? Many auto insurance | | an insurer or agency to a policy |
| Flint | | consumers are becoming educated | | owner that a premium will be due on a |
| Malden | | on other companies, plans, and rates | | given date. |
| Columbus | | that are available to them; ones that | | |
| San Jose | | could afford them significant savings | | Countersignature: The signature of a |
| Spokane | | on their auto insurance. | | licensed agent or representative on a |
| Hemet | | | | policy. |
| Westbury | | Life insurance, specifically Term Life, | | |
| Overland Park | | is arguably one of the best values in | | Theory of Probability: The |
| York | | the entire financial services arena. | | mathematical principle upon which |
| Vancouver | | Where else can you go and get | | insurance is based. |
| Tacoma | | hundreds of thousands of dollars in | | |
| Panama City | | protection for literally pennies per | | Domestic Insurer (or Company): An |
| Melbourne | | day? Rates for Term Life insurance | | insurer formed under the laws of the |
| White Plains | | remain at all-time lows, and now is the | | state in which the insurance is written. |
| Stuart | | time to lock in the best prices. | | |
| Cedar Rapids | | | | Provisions: Statements contained in |
| Detroit | | Individuals who have 30-year | | an insurance policy which explain the |
| Bay City | | mortgages might want to consider a | | benefits, conditions and other |
| Little Rock | | 30-year term to ensure that the house | | features of the insurance contract. |
| York | | is protected throughout the period of | | |
| Reading | | the loan. | | Claim Expense: The expense of |
| Little Rock | | | | adjusting a claim, such as |
| Torrance | | At InsWeb, you can compare free | | investigation and attorneys' fees. It |
| Long Beach | | online insurance quotes from many of | | does not include the cost of the claim |
| Jersey City | | the nations leading insurance | | itself. |
| Winter Haven | | companies. | | |
| Lima | | | | Retrospective Premium: The final |
| Lake Charles | | Make sure you have a new policy in | | premium in a retrospective rating |
| Madison | | place before you cancel your old one | | plan. See Retrospective Rating. |
| Marietta | | to avoid a lapse in coverage. This will | | |
| Salt Lake City | | also prevent having to figure out the | | Losses Incurred: The total losses, |
| Bakersfield | | amount of any unused premium that is | | whether paid or not, sustained by an |
| Pueblo | | due to you from your old insurance | | insurer during a given period, e.g., 12 |
| Huntington | | company, or having to spar with your | | months. |
| Omaha | | agent about exactly when your policy | | |
| Greenville | | was cancelled and how much they | | |
| Lafayette | | owe you. | | |
