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| Alpharetta | | Shopping around is the best way to | | Appraisal: An evaluation of property |
| Tucson | | save money on your insurance. | | made to ascertain either the |
| Santa Rosa | | | | appropriate amount of insurance to |
| Worcester | | Everyone has different needs, and | | be written or the amount of loss to be |
| Hattiesburg | | not one size fits all when it comes to | | paid. |
| Monroe | | term life insurance. While it may make | | |
| Boynton Beach | | sense for people in their 30s and 40s | | Collusion: An agreement, usually |
| Inglewood | | to secure a 20-year term length, a | | secret, between two or more persons |
| Fayetteville | | 10-year term might be more | | to defraud or deprive another or |
| Madison | | appropriate for someone nearing | | others of their property or rights. |
| Fullerton | | retirement. | | |
| Tulsa | | | | Shock Loss: A catastrophic loss so |
| Ventura | | Why not take advantage of current | | large that it has a material effect on |
| Sacramento | | low prices? Many auto insurance | | the underwriting results of a company. |
| Topeka | | consumers are becoming educated | | |
| Dayton | | on other companies, plans, and rates | | Mutualization: The process of |
| Denton | | that are available to them; ones that | | converting a stock insurer to a mutual |
| Dearborn | | could afford them significant savings | | insurer, accomplished by having the |
| Lansing | | on their auto insurance. | | insurer buy stock and retire it. |
