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| Modesto | | The quickest and easiest way to | | Not Taken: Policies applied for and |
| Colorado Springs | | shop for new insurance is by | | issued but rejected by the proposed |
| Rapid City | | comparing rates at InsWebs online | | owner and not paid for. |
| Manchester | | marketplace. If you do it the | | |
| Colorado Springs | | old-fashioned way (by calling or | | Brokerage Business: Business |
| Poughkeepsie | | visiting multiple agents or insurance | | offered to an insurer by a broker. This |
| Littleton | | companies) it could take up a huge | | is sometimes called excess or |
| San Diego | | chunk of your time, which no one | | surplus business. |
| Jackson | | wants or needs. By completing | | |
| Frederick | | InsWebs online application, you will | | Index Bureau Experience: A measure |
| Overland Park | | have rates to compare to your old | | of losses relating to claims reported |
| Long Island City | | ones within minutes! | | through a claim office during a |
| Fayetteville | | | | 12-month period. |
| Stamford | | Life insurance, specifically Term Life, | | |
| Lexington | | is arguably one of the best values in | | Partnership: A business enterprise |
| Fairfax | | the entire financial services arena. | | owned and operated by two or more |
| Toms River | | Where else can you go and get | | persons for the purpose of generating |
| Sumter | | hundreds of thousands of dollars in | | business income and profits. |
| Evanston | | protection for literally pennies per | | |
| Vero Beach | | day? Rates for Term Life insurance | | Claim: A demand made by the |
| Fort Lauderdale | | remain at all-time lows, and now is the | | insured, or the insured's beneficiary, |
| Sumter | | time to lock in the best prices. | | for payment of the benefits provided |
| Albuquerque | | | | by the contract. |
| Salem | | Shopping around is the best way to | | |
| Garland | | save money on your insurance. | | Gross Premium: The net premium |
| Augusta | | | | plus operating expenses, |
| San Francisco | | If you decide to cancel your policy | | commissions and other expenses. |
| Buffalo | | (after acquiring new coverage) | | |
| Killeen | | outside of the 30-day period, you may | | Admitted Company: An insurance |
| Muskegon | | have to pay a fee or penalty. | | company authorized and licensed to |
| Tallahassee | | However, you may still save money | | do business in a given state. |
| Lorain | | after paying the fee if your new policy | | |
| Florence | | affords you significant savings. So | | Examiner: An employee assigned by |
| Whittier | | while it is best to wait until your | | the state insurance department to |
| Sumter | | receive your renewal notice, you CAN | | audit insurers' records. |
| Durham | | cancel your policy at any time. | | |
