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| Long Beach | | People who are trying to quit | | Minimum Premium: The smallest |
| Turlock | | smoking, for example, might be best | | amount of premium for which an |
| West Chester | | suited purchasing a shorter term (and | | insurer will issue coverage under a |
| Lincoln | | then replacing it with a longer term | | given policy. |
| Portsmouth | | policy when they qualify for | | |
| Reno | | non-tobacco prices). | | Paid-In Surplus: Surplus paid in by |
| Council Bluffs | | | | stockholders, as contrasted with |
| Minneapolis | | The quickest and easiest way to | | surplus earned through the |
| Costa Mesa | | shop for new insurance is by | | operations of a business. |
| Rapid City | | comparing rates at InsWebs online | | |
| Frederick | | marketplace. If you do it the | | Underinsurance: A condition in which |
| Bayside | | old-fashioned way (by calling or | | not enough insurance is carried to |
| Alexandria | | visiting multiple agents or insurance | | cover the insurable value. |
| Thousand Oaks | | companies) it could take up a huge | | |
| Hendersonville | | chunk of your time, which no one | | Business: In Property, Liability, and |
| Schaumburg | | wants or needs. By completing | | Health lines, it usually refers to the |
| Johnstown | | InsWebs online application, you will | | volume of premiums. |
| Boca Raton | | have rates to compare to your old | | |
| Kansas City | | ones within minutes! | | Divided Cover: The placing of |
| Council Bluffs | | | | insurance on a given subject or |
| Belleville | | At InsWeb, you can compare free | | object with more than one insurer. |
| High Point | | online insurance quotes from many of | | |
| Eugene | | the nations leading insurance | | Theory of Probability: The |
| Garland | | companies. | | mathematical principle upon which |
| Stuart | | | | insurance is based. |
| Fort Lauderdale | | Life insurance, specifically Term Life, | | |
| Salem | | is arguably one of the best values in | | Exclusion: A contractual provision that |
| Southfield | | the entire financial services arena. | | denies coverage for certain perils, |
| Pasadena | | Where else can you go and get | | persons, property, or locations. |
| Grand Prairie | | hundreds of thousands of dollars in | | |
| Indianapolis | | protection for literally pennies per | | Valuation Clause: A clause stating the |
| Palo Alto | | day? Rates for Term Life insurance | | value of items for insurance |
| Dearborn | | remain at all-time lows, and now is the | | purposes, making it a valued policy. |
| Elkhart | | time to lock in the best prices. | | |
