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| Valdosta | | We offer quotes for auto insurance, | | Society of Insurance Research: An |
| Portsmouth | | life insurance, homeowners | | organization which encourages |
| Cape Coral | | insurance, health insurance, term life | | insurance research and promotes the |
| Columbus | | insurance and more. | | exchange of ideas and methods of |
| Boulder | | | | research. |
| Vero Beach | | Everyone has different needs, and | | |
| Oxnard | | not one size fits all when it comes to | | Agency: An insurance sales office |
| Union | | term life insurance. While it may make | | which is directed by a agent, |
| Newark | | sense for people in their 30s and 40s | | manager, independent agent, or |
| Fall River | | to secure a 20-year term length, a | | company manager. |
| Johnstown | | 10-year term might be more | | |
| Huntington | | appropriate for someone nearing | | Premises: The particular location of |
| Lorain | | retirement. | | property or a portion thereof as |
| Plano | | | | designated in a policy. |
| Santa Monica | | The quickest and easiest way to | | |
| Clarksville | | shop for new insurance is by | | Multi-Peril Policies: Policies which |
| Gainesville | | comparing rates at InsWebs online | | cover a number of perils, such as fire, |
| Melbourne | | marketplace. If you do it the | | burglary, and liability, in a single |
| Boynton Beach | | old-fashioned way (by calling or | | contract. |
| Raleigh | | visiting multiple agents or insurance | | |
| Stockbridge | | companies) it could take up a huge | | Exclusions: Specific situations, |
| Clarksville | | chunk of your time, which no one | | conditions, or circumstances that are |
| Austin | | wants or needs. By completing | | listed in the contract as being not |
| Spring Hill | | InsWebs online application, you will | | covered. |
| Metairie | | have rates to compare to your old | | |
| Bay City | | ones within minutes! | | Gross Premium: The net premium |
| Hollywood | | | | plus operating expenses, |
| Vero Beach | | Make sure you have a new policy in | | commissions and other expenses. |
| Lakewood | | place before you cancel your old one | | |
| Sumter | | to avoid a lapse in coverage. This will | | Convention Values: Values assigned |
| Spartanburg | | also prevent having to figure out the | | to insurers' assets in the convention |
| Beaumont | | amount of any unused premium that is | | blank. |
| Naperville | | due to you from your old insurance | | |
| White Plains | | company, or having to spar with your | | Claim Report: A report filed by an |
| Oakland | | agent about exactly when your policy | | agent setting forth the facts of a claim. |
| Mesa | | was cancelled and how much they | | Same as Loss Report. |
| Dayton | | owe you. | | |
