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| Newport Beach | | People who are trying to quit | | United States Aircraft Insurance |
| Hartford | | smoking, for example, might be best | | Group: A group of insurers providing |
| Decatur | | suited purchasing a shorter term (and | | facilities for all forms of Aviation |
| Riverside | | then replacing it with a longer term | | Insurance. |
| Newark | | policy when they qualify for | | |
| Orlando | | non-tobacco prices). | | Loss Frequency: The number of times |
| Williamsport | | | | a loss occurs over a specific period |
| Flushing | | Why not take advantage of current | | of time. |
| Edmond | | low prices? Many auto insurance | | |
| Valdosta | | consumers are becoming educated | | Deflation: An economic period |
| Killeen | | on other companies, plans, and rates | | characterized by falling prices, high |
| Greeley | | that are available to them; ones that | | unemployment and a generally |
| Virginia Beach | | could afford them significant savings | | sluggish or slow economy. |
| Cleveland | | on their auto insurance. | | |
| Rochester | | | | Stock Option Plan: Surviving |
| Anderson | | Healthy people have the best | | stockholders have the option to |
| Gaithersburg | | mortality risks and thus are much | | purchase or not purchase the shares |
| Pueblo | | cheaper for companies to insure. This | | of a deceased stockholder. |
| Denver | | translates into lower rates for the | | |
| Bayside | | Super Preferred customer than | | Examiner: An employee assigned by |
| Mesa | | someone with higher risk factors such | | the state insurance department to |
| Orange | | as a heart condition, cancer or | | audit insurers' records. |
| Davenport | | diabetes. Conversely, if you were | | |
| Boise | | unhealthy when you acquired your | | Preferred Risk: Any risk considered |
| Bradenton | | policy, and your health has now | | to be better than the standard risk on |
| Warren | | improved, it might be time to shop for | | which the premium rate was |
| Lorain | | a new policy, as your rates are likely | | calculated. |
| Jacksonville | | to be lower. | | |
| Sioux Falls | | | | Liquidity: The ability of an insurer to |
| Ann Arbor | | The quickest and easiest way to | | convert its assets into cash to pay |
| Scottsdale | | shop for new insurance is by | | claims if necessary. |
| Springfield | | comparing rates at InsWebs online | | |
| Conroe | | marketplace. If you do it the | | Gross Line: The total limit accepted |
| Garland | | old-fashioned way (by calling or | | by an insurer on an individual risk, |
| Sarasota | | visiting multiple agents or insurance | | including the amount to be reinsured. |
| Johnstown | | companies) it could take up a huge | | |
| Houston | | chunk of your time, which no one | | |
| Hartford | | wants or needs. By completing | | |
| Belleville | | InsWebs online application, you will | | |
| Jacksonville | | have rates to compare to your old | | |
| Des Moines | | ones within minutes! | | |
