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| Overland Park | | Why not take advantage of current | | Net Retention: The amount of |
| Cedar Rapids | | low prices? Many auto insurance | | insurance that a ceding company |
| Longview | | consumers are becoming educated | | keeps for its own account and does |
| Scottsdale | | on other companies, plans, and rates | | not reinsure. |
| Longmont | | that are available to them; ones that | | |
| Cincinnati | | could afford them significant savings | | Policywriting Agent: An agent who has |
| Louisville | | on their auto insurance. | | the authority to prepare and effect an |
| Joliet | | | | insurer's policy. |
| Slidell | | Everyone has different needs, and | | |
| South Bend | | not one size fits all when it comes to | | Other Insurance: The existence of |
| Quincy | | term life insurance. While it may make | | other contracts covering the same |
| Evansville | | sense for people in their 30s and 40s | | interest and perils. |
| Edmond | | to secure a 20-year term length, a | | |
| Palm Desert | | 10-year term might be more | | Gross Line: The total limit accepted |
| Owensboro | | appropriate for someone nearing | | by an insurer on an individual risk, |
| Phoenix | | retirement. | | including the amount to be reinsured. |