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| Costa Mesa | | The quickest and easiest way to | | Cash Flow Underwriting: The use of |
| Norwalk | | shop for new insurance is by | | rating and premium collection |
| Brooklyn | | comparing rates at InsWebs online | | techniques by insurance companies |
| Rochester | | marketplace. If you do it the | | to maximize interest earnings on |
| Rochester | | old-fashioned way (by calling or | | premiums. |
| Cape Coral | | visiting multiple agents or insurance | | |
| Akron | | companies) it could take up a huge | | Mutualization: The process of |
| Wilmington | | chunk of your time, which no one | | converting a stock insurer to a mutual |
| Henderson | | wants or needs. By completing | | insurer, accomplished by having the |
| Sacramento | | InsWebs online application, you will | | insurer buy stock and retire it. |
| Goldsboro | | have rates to compare to your old | | |
| Las Cruces | | ones within minutes! | | Fictitious Groups: Groups formed |
| Pasadena | | | | primarily for the purpose of buying |
| Corona | | Life insurance, specifically Term Life, | | insurance. Under the law such groups |
| Melbourne | | is arguably one of the best values in | | may not be underwritten. |
| Costa Mesa | | the entire financial services arena. | | |
| Asheville | | Where else can you go and get | | Examiner: An employee assigned by |
| Cranston | | hundreds of thousands of dollars in | | the state insurance department to |
| Fort Myers | | protection for literally pennies per | | audit insurers' records. |
| Myrtle Beach | | day? Rates for Term Life insurance | | |
| Palo Alto | | remain at all-time lows, and now is the | | Book Value: Refers to the value of |
| Orange | | time to lock in the best prices. | | assets as shown in the official |
| Brooklyn | | | | accounting records of the company. |
| Lakewood | | Why not take advantage of current | | |
| Cleveland | | low prices? Many auto insurance | | Commission of Authority: A document |
| Torrance | | consumers are becoming educated | | outlining the powers delegated to an |
| Sioux Falls | | on other companies, plans, and rates | | agent by an insurer. |
| Santa Monica | | that are available to them; ones that | | |
| Fort Myers | | could afford them significant savings | | Loss Frequency: The number of times |
| Chula Vista | | on their auto insurance. | | a loss occurs over a specific period |
| Pembroke Pines | | | | of time. |
| Lorain | | Individuals who have 30-year | | |
| White Plains | | mortgages might want to consider a | | Expense Allowance: A compensation |
| Columbia | | 30-year term to ensure that the house | | paid to an insurance agent in excess |
| Milwaukee | | is protected throughout the period of | | of prescribed commissions. |
| Plano | | the loan. | | |