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| Jacksonville | | The quickest and easiest way to | | Business: In Property, Liability, and |
| Trenton | | shop for new insurance is by | | Health lines, it usually refers to the |
| Portland | | comparing rates at InsWebs online | | volume of premiums. |
| Anderson | | marketplace. If you do it the | | |
| Los Angeles | | old-fashioned way (by calling or | | Minimum Premium: The smallest |
| Rome | | visiting multiple agents or insurance | | amount of premium for which an |
| Nashville | | companies) it could take up a huge | | insurer will issue coverage under a |
| Hickory | | chunk of your time, which no one | | given policy. |
| Tyler | | wants or needs. By completing | | |
| Beaumont | | InsWebs online application, you will | | Standard Industry Code (SIC): This is |
| Cypress | | have rates to compare to your old | | a coding system which assigns |
| Washington | | ones within minutes! | | separate codes for different types of |
| Council Bluffs | | | | industries. |
| Lawton | | Healthy people have the best | | |
| Newport Beach | | mortality risks and thus are much | | Lapsed Policy: One which has been |
| Buffalo | | cheaper for companies to insure. This | | allowed to expire because of |
| Virginia Beach | | translates into lower rates for the | | nonpayment of premiums. |
| Ogden | | Super Preferred customer than | | |
| Staten Island | | someone with higher risk factors such | | Provisional Rate: Tentative rates, |
| Woodbridge | | as a heart condition, cancer or | | premiums or commissions that are |
| Tampa | | diabetes. Conversely, if you were | | subject to subsequent adjustment. |
| Nashville | | unhealthy when you acquired your | | See Commission and Premium. |
| Minneapolis | | policy, and your health has now | | |
| Valdosta | | improved, it might be time to shop for | | Time Limits: The limits of time within |
| Virginia Beach | | a new policy, as your rates are likely | | which notice of a claim and proof of a |
| Hendersonville | | to be lower. | | loss must be submitted. |
