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| Baltimore | | If you have noticed that your auto | | Basic Rate: The manual rate from |
| Waterloo | | insurance rates are still increasing | | which discounts are taken or to which |
| Long Island City | | with each renewal, or even have not | | charges are added to reflect the |
| Albany | | gone down even though you have a | | individual circumstances of a risk. |
| Anderson | | great driving record, this lower pricing | | |
| Fayetteville | | trend makes it more important then | | Brokerage Department: A department |
| Daytona Beach | | ever that you shop around for auto | | of an insurer whose purpose is to |
| Odessa | | insurance. | | deal with brokers in the placing of |
| St. Paul | | | | insurance. |
| Salem | | Make sure you have a new policy in | | |
| Des Moines | | place before you cancel your old one | | Insurance Examiner: The |
| Charlotte | | to avoid a lapse in coverage. This will | | representative of a state insurance |
| Wichita Falls | | also prevent having to figure out the | | department assigned to participate in |
| Harrisburg | | amount of any unused premium that is | | the official audit and examination of |
| Spring Hill | | due to you from your old insurance | | an insurer. |
| Montgomery | | company, or having to spar with your | | |
| Poughkeepsie | | agent about exactly when your policy | | Criticism: A correction suggested by a |
| Cedar Rapids | | was cancelled and how much they | | rating or auditing bureau to an insurer. |
| Louisville | | owe you. | | |
| Phoenix | | | | Stock Option Plan: Surviving |
| Los Angeles | | At InsWeb, you can compare free | | stockholders have the option to |
| Slidell | | online insurance quotes from many of | | purchase or not purchase the shares |
| Albuquerque | | the nations leading insurance | | of a deceased stockholder. |
| Biloxi | | companies. | | |
| Reno | | | | Liabilities: Money owed or expected |
| Sterling Heights | | Everyone has different needs, and | | to be owed. Insurance company |
| Newark | | not one size fits all when it comes to | | financial statements, for instance, |
| Stockton | | term life insurance. While it may make | | show assets and liabilities. |
| Scranton | | sense for people in their 30s and 40s | | |
| Newark | | to secure a 20-year term length, a | | Brick Veneer Construction: Refers to |
| Hemet | | 10-year term might be more | | a building where the outside walls are |
| Toms River | | appropriate for someone nearing | | constructed of wood with a facing of a |
| Topeka | | retirement. | | single layer of brick. |
