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| Schaumburg | | At InsWeb, you can compare free | | Net Loss: The amount of loss |
| Santa Rosa | | online insurance quotes from many of | | sustained by an insurer after giving |
| Newburgh | | the nations leading insurance | | effect to all applicable reinsurance, |
| Columbia | | companies. | | salvage, and subrogation recoveries. |
| Norwalk | | | | |
| Garland | | Healthy people have the best | | Broker-Agent: One acting as an agent |
| Toms River | | mortality risks and thus are much | | of one or more insurers and as a |
| Spring Hill | | cheaper for companies to insure. This | | broker in dealing with one or more |
| Edmond | | translates into lower rates for the | | other insurers. |
| Columbia | | Super Preferred customer than | | |
| Goldsboro | | someone with higher risk factors such | | Gross Premium: The net premium |
| Scranton | | as a heart condition, cancer or | | plus operating expenses, |
| Bloomington | | diabetes. Conversely, if you were | | commissions and other expenses. |
| Chicago | | unhealthy when you acquired your | | |
| Coral Springs | | policy, and your health has now | | Net Retention: The amount of |
| Anderson | | improved, it might be time to shop for | | insurance that a ceding company |
| Houston | | a new policy, as your rates are likely | | keeps for its own account and does |
| Mobile | | to be lower. | | not reinsure. |
