| | | | |
|
| Charleston | | Shopping around is the best way to | | Commingling: An illegal practice |
| Stuart | | save money on your insurance. | | which occurs when an agent mixes |
| Saginaw | | | | personal funds with the insured's or |
| San Jose | | Make sure you have a new policy in | | insurer's funds. |
| Pittsburgh | | place before you cancel your old one | | |
| El Cajon | | to avoid a lapse in coverage. This will | | Liquidity: The ability of an insurer to |
| Billings | | also prevent having to figure out the | | convert its assets into cash to pay |
| Texarkana | | amount of any unused premium that is | | claims if necessary. |
| Silver Spring | | due to you from your old insurance | | |
| Wilmington | | company, or having to spar with your | | Gain and Loss Exhibit: The portion of |
| Newark | | agent about exactly when your policy | | the convention blank which |
| Schaumburg | | was cancelled and how much they | | represents an analysis of gains, |
| Lincoln | | owe you. | | losses, and surplus during an |
| Ann Arbor | | | | accounting period. |
| Lawrenceville | | Everyone has different needs, and | | |
| Tuscaloosa | | not one size fits all when it comes to | | Exclusion: A contractual provision that |
| Rockford | | term life insurance. While it may make | | denies coverage for certain perils, |
| Spring Hill | | sense for people in their 30s and 40s | | persons, property, or locations. |
| New Orleans | | to secure a 20-year term length, a | | |
| Winter Haven | | 10-year term might be more | | Minimum Premium: The smallest |
| Fullerton | | appropriate for someone nearing | | amount of premium for which an |
| Trenton | | retirement. | | insurer will issue coverage under a |
| Columbia | | | | given policy. |
| Kansas City | | We offer quotes for auto insurance, | | |
| Norwalk | | life insurance, homeowners | | Preferred Risk: Any risk considered |
| Kansas City | | insurance, health insurance, term life | | to be better than the standard risk on |
| Peoria | | insurance and more. | | which the premium rate was |
| Little Rock | | | | calculated. |
| Longmont | | The quickest and easiest way to | | |
| Santa Monica | | shop for new insurance is by | | Replacement: A new policy written to |
| Denver | | comparing rates at InsWebs online | | take the place of one currently in force. |
| Lawton | | marketplace. If you do it the | | |
| Riverside | | old-fashioned way (by calling or | | Authorized Insurer: An insurer |
| Sacramento | | visiting multiple agents or insurance | | authorized by the state to transact |
| Hampton | | companies) it could take up a huge | | business in that state for specific |
| Oceanside | | chunk of your time, which no one | | types of insurance. |
| Springfield | | wants or needs. By completing | | |
| Hot Springs | | InsWebs online application, you will | | |
| Gulfport | | have rates to compare to your old | | |
| Cincinnati | | ones within minutes! | | |
