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| Athens | | Make sure you have a new policy in | | New For Old: Replacing old |
| Stamford | | place before you cancel your old one | | damaged parts or equipment with |
| Longwood | | to avoid a lapse in coverage. This will | | new ones rather than repairing them. |
| Memphis | | also prevent having to figure out the | | |
| Boynton Beach | | amount of any unused premium that is | | Net Retention: The amount of |
| Florence | | due to you from your old insurance | | insurance that a ceding company |
| New Port Richey | | company, or having to spar with your | | keeps for its own account and does |
| Kingsport | | agent about exactly when your policy | | not reinsure. |
| Houma | | was cancelled and how much they | | |
| Torrance | | owe you. | | Foreign Insurer: An insurer domiciled |
| Staten Island | | | | in a state of the United States other |
| West Palm Beach | | Individuals who have 30-year | | than the one in which the insured's |
| Seattle | | mortgages might want to consider a | | insurance is written. |
| Topeka | | 30-year term to ensure that the house | | |
| Spokane | | is protected throughout the period of | | You/Your: These words are used to |
| Canton | | the loan. | | refer to the named insured in many of |
| Newport News | | | | the modernized/personalized policy |
| Fort Collins | | The quickest and easiest way to | | forms. |
| Sacramento | | shop for new insurance is by | | |
| Naples | | comparing rates at InsWebs online | | Operating Expense: The expense of |
| Jacksonville | | marketplace. If you do it the | | an insurer other than commissions |
| San Francisco | | old-fashioned way (by calling or | | and taxes. Called " and Insurance |
| Albany | | visiting multiple agents or insurance | | Expense" in the convention statement |
| Colorado Springs | | companies) it could take up a huge | | blank. |
| Macon | | chunk of your time, which no one | | |
| Zanesville | | wants or needs. By completing | | Amendment: A formal document |
| Albany | | InsWebs online application, you will | | which corrects or revises an |
| Morristown | | have rates to compare to your old | | insurance master policy. |
| Pueblo | | ones within minutes! | | |
| Alpharetta | | | | Paid-In Surplus: Surplus paid in by |
| Rockford | | Life insurance, specifically Term Life, | | stockholders, as contrasted with |
| Lake Worth | | is arguably one of the best values in | | surplus earned through the |
| Inglewood | | the entire financial services arena. | | operations of a business. |
| Newburgh | | Where else can you go and get | | |
| Mobile | | hundreds of thousands of dollars in | | |
| Mesquite | | protection for literally pennies per | | |
| Kansas City | | day? Rates for Term Life insurance | | |
| Youngstown | | remain at all-time lows, and now is the | | |
| Glendale | | time to lock in the best prices. | | |
