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| Honolulu | | At InsWeb, you can compare free | | Provisions: Statements contained in |
| Mesa | | online insurance quotes from many of | | an insurance policy which explain the |
| Inglewood | | the nations leading insurance | | benefits, conditions and other |
| Rockford | | companies. | | features of the insurance contract. |
| Portland | | | | |
| San Bernardino | | Healthy people have the best | | Capital Sum: The maximum lump sum |
| Muncie | | mortality risks and thus are much | | payable in the event of accidental |
| Thousand Oaks | | cheaper for companies to insure. This | | death or dismemberment. |
| Pembroke Pines | | translates into lower rates for the | | |
| Portland | | Super Preferred customer than | | Mutualization: The process of |
| Springfield | | someone with higher risk factors such | | converting a stock insurer to a mutual |
| Littleton | | as a heart condition, cancer or | | insurer, accomplished by having the |
| Odessa | | diabetes. Conversely, if you were | | insurer buy stock and retire it. |
| Clearwater | | unhealthy when you acquired your | | |
| Lima | | policy, and your health has now | | Retrospective Premium: The final |
| Newport Beach | | improved, it might be time to shop for | | premium in a retrospective rating |
| San Francisco | | a new policy, as your rates are likely | | plan. See Retrospective Rating. |
| Riverside | | to be lower. | | |
| Alpharetta | | | | Replacement: A new policy written to |
| Tucson | | We offer quotes for auto insurance, | | take the place of one currently in force. |
| Hattiesburg | | life insurance, homeowners | | |
| Kingsport | | insurance, health insurance, term life | | We/Us/Our: These words are used to |
| Costa Mesa | | insurance and more. | | refer to the insurer in many of the |
| Riverside | | | | modernized/personalized policy |
| Huntsville | | Make sure you have a new policy in | | forms recently introduced. |
| Silver Spring | | place before you cancel your old one | | |
| Owensboro | | to avoid a lapse in coverage. This will | | Policy Period (or Term): The period |
| Rome | | also prevent having to figure out the | | during which the policy contract |
| Mansfield | | amount of any unused premium that is | | affords protection, e.g., six months or |
| Santa Monica | | due to you from your old insurance | | one or three years. |
| Santa Rosa | | company, or having to spar with your | | |
| Plano | | agent about exactly when your policy | | Standard Industry Code (SIC): This is |
| Los Angeles | | was cancelled and how much they | | a coding system which assigns |
| Grand Prairie | | owe you. | | separate codes for different types of |
| Biloxi | | | | industries. |
