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| Chicago | | The quickest and easiest way to | | Losses Incurred: The total losses, |
| Long Island City | | shop for new insurance is by | | whether paid or not, sustained by an |
| Tacoma | | comparing rates at InsWebs online | | insurer during a given period, e.g., 12 |
| Newark | | marketplace. If you do it the | | months. |
| New Orleans | | old-fashioned way (by calling or | | |
| Frederick | | visiting multiple agents or insurance | | Foreign Insurer: An insurer domiciled |
| Indianapolis | | companies) it could take up a huge | | in a state of the United States other |
| Washington | | chunk of your time, which no one | | than the one in which the insured's |
| Rochester | | wants or needs. By completing | | insurance is written. |
| Clinton Township | | InsWebs online application, you will | | |
| El Cajon | | have rates to compare to your old | | Agency: An insurance sales office |
| Boca Raton | | ones within minutes! | | which is directed by a agent, |
| Kalamazoo | | | | manager, independent agent, or |
| York | | People who are trying to quit | | company manager. |
| Goldsboro | | smoking, for example, might be best | | |
| Anderson | | suited purchasing a shorter term (and | | Fiduciary: A person holding the funds |
| Florence | | then replacing it with a longer term | | or property of another in a position of |
| Oceanside | | policy when they qualify for | | trust. An example would be the |
| Roanoke | | non-tobacco prices). | | executor of an estate. |