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| Knoxville | | Shopping around is the best way to | | Agent's License: A certificate of |
| Franklin | | save money on your insurance. | | authority from the state which permits |
| Portsmouth | | | | the agent to conduct business. |
| Garland | | At InsWeb, you can compare free | | |
| Tacoma | | online insurance quotes from many of | | Losses Incurred: The total losses, |
| Southfield | | the nations leading insurance | | whether paid or not, sustained by an |
| Orange | | companies. | | insurer during a given period, e.g., 12 |
| Livonia | | | | months. |
| Sioux Falls | | Life insurance, specifically Term Life, | | |
| Tallahassee | | is arguably one of the best values in | | Inspection: Independent checking on |
| New York | | the entire financial services arena. | | facts about an applicant, |
| Dothan | | Where else can you go and get | | policyholder, or claimant, usually by a |
| Hattiesburg | | hundreds of thousands of dollars in | | commercial inspection agency. |
| Fort Smith | | protection for literally pennies per | | |
| Fayetteville | | day? Rates for Term Life insurance | | Monoline Policy: Any insurance |
| Panama City | | remain at all-time lows, and now is the | | coverage written as a single line |
| Lakewood | | time to lock in the best prices. | | policy. Contrast with Multiple Line or |
| Anderson | | | | Package policy. |
| Santa Rosa | | Why not take advantage of current | | |
| Flint | | low prices? Many auto insurance | | Business: In Property, Liability, and |
| Hemet | | consumers are becoming educated | | Health lines, it usually refers to the |
| Colorado Springs | | on other companies, plans, and rates | | volume of premiums. |
| Glendale | | that are available to them; ones that | | |
| Torrance | | could afford them significant savings | | Cut Rate: This term generally applies |
| Venice | | on their auto insurance. | | to insurance companies who charge |
| Conroe | | | | premiums below a normal or average |
| Union | | People who are trying to quit | | rate. |
| Oxnard | | smoking, for example, might be best | | |
| Torrance | | suited purchasing a shorter term (and | | Calendar Year Experience: This |
| Philadelphia | | then replacing it with a longer term | | measures the premiums and losses |
| Chandler | | policy when they qualify for | | entered on accounting records during |
| Alameda | | non-tobacco prices). | | the 12-month calendar. |
