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| Anderson | | The quickest and easiest way to | | Paid-In Surplus: Surplus paid in by |
| Lowell | | shop for new insurance is by | | stockholders, as contrasted with |
| Nashville | | comparing rates at InsWebs online | | surplus earned through the |
| Quincy | | marketplace. If you do it the | | operations of a business. |
| Owensboro | | old-fashioned way (by calling or | | |
| South Bend | | visiting multiple agents or insurance | | Mutualization: The process of |
| San Antonio | | companies) it could take up a huge | | converting a stock insurer to a mutual |
| Albuquerque | | chunk of your time, which no one | | insurer, accomplished by having the |
| Bellevue | | wants or needs. By completing | | insurer buy stock and retire it. |
| Berkeley | | InsWebs online application, you will | | |
| Quincy | | have rates to compare to your old | | Theory of Probability: The |
| Arlington | | ones within minutes! | | mathematical principle upon which |
| Alexandria | | | | insurance is based. |
| Edmond | | People who are trying to quit | | |
| Sioux City | | smoking, for example, might be best | | Leasehold: An agreement which |
| Delray Beach | | suited purchasing a shorter term (and | | gives a person the right to use and |
| Springfield | | then replacing it with a longer term | | occupy property. |
| Virginia Beach | | policy when they qualify for | | |
| Ogden | | non-tobacco prices). | | Interstate Carrier: A transportation |
| Riverside | | | | company which does business |
| Lawrenceville | | While some companies raise their | | across state lines. |
| Hattiesburg | | prices based on your actual age, | | |
| Southfield | | most companies increase the price of | | Liquidity: The ability of an insurer to |
| Pittsburgh | | their policies six months before your | | convert its assets into cash to pay |
| Harrisburg | | birthday. Its a term called Age | | claims if necessary. |
| Beaumont | | Nearest in the industry, and that | | |
| Jersey City | | half-year price increase could really | | Loss Frequency: The number of times |
| Clearwater | | add up over a 20-year term policy. As | | a loss occurs over a specific period |
| Pittsburgh | | above, the quicker you purchase your | | of time. |
| Kingsport | | policy the better. | | |
| Green Bay | | | | Insolvent Insurer: An insurer which is |
| Marietta | | Shopping around is the best way to | | unable to meet its financial |
| Hattiesburg | | save money on your insurance. | | obligations. |
