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| Asheville | | Individuals who have 30-year | | Gross Premium: The net premium |
| Portsmouth | | mortgages might want to consider a | | plus operating expenses, |
| Washington | | 30-year term to ensure that the house | | commissions and other expenses. |
| Downey | | is protected throughout the period of | | |
| Lubbock | | the loan. | | Collusion: An agreement, usually |
| San Bernardino | | | | secret, between two or more persons |
| Naples | | Healthy people have the best | | to defraud or deprive another or |
| Waco | | mortality risks and thus are much | | others of their property or rights. |
| Fort Lauderdale | | cheaper for companies to insure. This | | |
| Detroit | | translates into lower rates for the | | Losses Outstanding: A summary |
| Tempe | | Super Preferred customer than | | statement prepared by Property, Life, |
| Boulder | | someone with higher risk factors such | | and Liability insurers showing claims |
| Beaumont | | as a heart condition, cancer or | | not yet settled. |
| Long Beach | | diabetes. Conversely, if you were | | |
| Wichita | | unhealthy when you acquired your | | Equity: The money value of an |
| Lincoln | | policy, and your health has now | | insurance company that is over and |
| Burbank | | improved, it might be time to shop for | | above its liabilities. Liabilities include |
| Henderson | | a new policy, as your rates are likely | | almost all of its reserves. |
| Bethlehem | | to be lower. | | |
| Rochester | | | | Indemnity: Restoration to the victim of |
| Daytona Beach | | At InsWeb, you can compare free | | a loss by payment, repair, or |
| Tucson | | online insurance quotes from many of | | replacement. |
| Englewood | | the nations leading insurance | | |
| Baltimore | | companies. | | Mutualization: The process of |
| Irvine | | | | converting a stock insurer to a mutual |
| Fairfax | | Life insurance, specifically Term Life, | | insurer, accomplished by having the |
| Syracuse | | is arguably one of the best values in | | insurer buy stock and retire it. |
| South Bend | | the entire financial services arena. | | |
| Toledo | | Where else can you go and get | | Will Ride: Coverage that remains in |
| Jackson | | hundreds of thousands of dollars in | | effect regardless of the geographical |
| Cherry Hill | | protection for literally pennies per | | location in which a loss occurs. |
| Huntington | | day? Rates for Term Life insurance | | |
| Los Angeles | | remain at all-time lows, and now is the | | Agent's Balance: A periodic |
| Anderson | | time to lock in the best prices. | | statement of the sums due and owed |
| Panama City | | | | to an agent under the agent's contract |
| Flint | | | | with an insurer. |
