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| Burbank | | Everyone has different needs, and | | Cash Flow Underwriting: The use of |
| Fullerton | | not one size fits all when it comes to | | rating and premium collection |
| Milwaukee | | term life insurance. While it may make | | techniques by insurance companies |
| Cranston | | sense for people in their 30s and 40s | | to maximize interest earnings on |
| Fort Myers | | to secure a 20-year term length, a | | premiums. |
| Morristown | | 10-year term might be more | | |
| Hendersonville | | appropriate for someone nearing | | Professional Insurance Agents |
| Las Vegas | | retirement. | | Association: A trade association of |
| Evansville | | | | mutual insurance agents. |
| Orange | | Why not take advantage of current | | |
| New Orleans | | low prices? Many auto insurance | | Mutualization: The process of |
| Ocala | | consumers are becoming educated | | converting a stock insurer to a mutual |
| Raleigh | | on other companies, plans, and rates | | insurer, accomplished by having the |
| Long Beach | | that are available to them; ones that | | insurer buy stock and retire it. |
| Stockbridge | | could afford them significant savings | | |
| Salt Lake City | | on their auto insurance. | | Standard Industry Code (SIC): This is |
| Columbia | | | | a coding system which assigns |
| Gainesville | | The quickest and easiest way to | | separate codes for different types of |
| West Palm Beach | | shop for new insurance is by | | industries. |
| Grand Junction | | comparing rates at InsWebs online | | |
| Syracuse | | marketplace. If you do it the | | Preferred Risk: Any risk considered |
| Virginia Beach | | old-fashioned way (by calling or | | to be better than the standard risk on |
| Florissant | | visiting multiple agents or insurance | | which the premium rate was |
| Omaha | | companies) it could take up a huge | | calculated. |
| Lexington | | chunk of your time, which no one | | |
| Clarksville | | wants or needs. By completing | | Cut Rate: This term generally applies |
| Jersey City | | InsWebs online application, you will | | to insurance companies who charge |
| Independence | | have rates to compare to your old | | premiums below a normal or average |
| Irving | | ones within minutes! | | rate. |
