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| Oxnard | | Why not take advantage of current | | Gross Line: The total limit accepted |
| Madison | | low prices? Many auto insurance | | by an insurer on an individual risk, |
| South Bend | | consumers are becoming educated | | including the amount to be reinsured. |
| Savannah | | on other companies, plans, and rates | | |
| Anderson | | that are available to them; ones that | | Exclusions: Specific situations, |
| Springfield | | could afford them significant savings | | conditions, or circumstances that are |
| Hickory | | on their auto insurance. | | listed in the contract as being not |
| Garland | | | | covered. |
| Downey | | The quickest and easiest way to | | |
| Albany | | shop for new insurance is by | | Brick Veneer Construction: Refers to |
| Mobile | | comparing rates at InsWebs online | | a building where the outside walls are |
| Warren | | marketplace. If you do it the | | constructed of wood with a facing of a |
| Oxnard | | old-fashioned way (by calling or | | single layer of brick. |
| Poughkeepsie | | visiting multiple agents or insurance | | |
| Texarkana | | companies) it could take up a huge | | Capital Sum: The maximum lump sum |
| Cranston | | chunk of your time, which no one | | payable in the event of accidental |
| Livonia | | wants or needs. By completing | | death or dismemberment. |
| Muskegon | | InsWebs online application, you will | | |
| Baton Rouge | | have rates to compare to your old | | Paid-In Surplus: Surplus paid in by |
| Harrisburg | | ones within minutes! | | stockholders, as contrasted with |
| Portland | | | | surplus earned through the |
| Saginaw | | We offer quotes for auto insurance, | | operations of a business. |
| Corona | | life insurance, homeowners | | |
| Topeka | | insurance, health insurance, term life | | Insurance Examiner: The |
| Winter Haven | | insurance and more. | | representative of a state insurance |
| Salem | | | | department assigned to participate in |
| Muncie | | While some companies raise their | | the official audit and examination of |
| Kingsport | | prices based on your actual age, | | an insurer. |
| Downey | | most companies increase the price of | | |
| West Palm Beach | | their policies six months before your | | Policywriting Agent: An agent who has |
| Ann Arbor | | birthday. Its a term called Age | | the authority to prepare and effect an |
| Jacksonville | | Nearest in the industry, and that | | insurer's policy. |
| Atlanta | | half-year price increase could really | | |
| Palm Harbor | | add up over a 20-year term policy. As | | Submitted Business: Applications for |
| St. Joseph | | above, the quicker you purchase your | | insurance submitted to an insurer but |
| Monroe | | policy the better. | | not yet acted upon by it. |