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| Marietta | | Why not take advantage of current | | Accident: An unplanned event, |
| Lakewood | | low prices? Many auto insurance | | unexpected and undesigned, which |
| Springfield | | consumers are becoming educated | | occurs suddenly and at a definite |
| Williamsburg | | on other companies, plans, and rates | | place. |
| Athens | | that are available to them; ones that | | |
| Anderson | | could afford them significant savings | | Loss Adjustment Expense: The cost |
| Gainesville | | on their auto insurance. | | of adjusting losses, excluding the |
| Glendale | | | | amount of the loss itself. |
| Inglewood | | People who are trying to quit | | |
| Vero Beach | | smoking, for example, might be best | | Monoline Policy: Any insurance |
| Costa Mesa | | suited purchasing a shorter term (and | | coverage written as a single line |
| Spartanburg | | then replacing it with a longer term | | policy. Contrast with Multiple Line or |
| Conroe | | policy when they qualify for | | Package policy. |
| Tallahassee | | non-tobacco prices). | | |
| Bloomington | | | | Criticism: A correction suggested by a |
| Irving | | Individuals who have 30-year | | rating or auditing bureau to an insurer. |
| Rapid City | | mortgages might want to consider a | | |
| Dallas | | 30-year term to ensure that the house | | Mandatory Valuation Reserve: A |
| Lancaster | | is protected throughout the period of | | reserve required by a state law to |
| Lansing | | the loan. | | offset any declines in the valuation of |
| Philadelphia | | | | securities listed as admitted assets. |
| Jasper | | We offer quotes for auto insurance, | | |
| Ogden | | life insurance, homeowners | | Public Adjuster: An insurance adjuster |
| Erie | | insurance, health insurance, term life | | who represents an insured on a fee |
| Toledo | | insurance and more. | | basis in claims settlement. Contrast |
| Wichita Falls | | | | with Independent Adjuster. |
| Alexandria | | Life insurance, specifically Term Life, | | |
| Stuart | | is arguably one of the best values in | | Paid-In Surplus: Surplus paid in by |
| Buffalo | | the entire financial services arena. | | stockholders, as contrasted with |
| Sumter | | Where else can you go and get | | surplus earned through the |
| Independence | | hundreds of thousands of dollars in | | operations of a business. |
| Williamsburg | | protection for literally pennies per | | |
| Edmond | | day? Rates for Term Life insurance | | Agency Company: An insurance |
| Orlando | | remain at all-time lows, and now is the | | company that produces business |
| Rochester | | time to lock in the best prices. | | through an agency network. Contrast |
| Stockbridge | | | | with Direct Writer. |
