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| Coral Springs | | People who are trying to quit | | Initial Premium: An amount paid at the |
| Biloxi | | smoking, for example, might be best | | inception of an insurance contract, |
| Marietta | | suited purchasing a shorter term (and | | usually subject to adjustment at the |
| Lubbock | | then replacing it with a longer term | | end of the policy period. |
| Fremont | | policy when they qualify for | | |
| Newburgh | | non-tobacco prices). | | Admitted Company: An insurance |
| Duluth | | | | company authorized and licensed to |
| Columbia | | While some companies raise their | | do business in a given state. |
| San Francisco | | prices based on your actual age, | | |
| St. Paul | | most companies increase the price of | | Adjustment Bureau: A firm organized |
| Richmond | | their policies six months before your | | to provide adjustment services to |
| Eugene | | birthday. Its a term called Age | | insurers not wishing to create their |
| Boulder | | Nearest in the industry, and that | | own claims division. |
| Chattanooga | | half-year price increase could really | | |
| Bloomington | | add up over a 20-year term policy. As | | Calendar Year Experience: This |
| Kansas City | | above, the quicker you purchase your | | measures the premiums and losses |
| Los Angeles | | policy the better. | | entered on accounting records during |
| Dubuque | | | | the 12-month calendar. |
| Bayside | | The best time to switch policies is | | |
| Schenectady | | within one month of receiving your | | Gain and Loss Exhibit: The portion of |
| Orlando | | policy renewal from your current | | the convention blank which |
| Bloomington | | insurer. You can typically cancel your | | represents an analysis of gains, |
| Lake Worth | | policy without any fees or penalties if | | losses, and surplus during an |
| Fairfax | | you act within this time period. | | accounting period. |
