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| Staten Island | | The quickest and easiest way to | | Claim: A demand made by the |
| Bloomington | | shop for new insurance is by | | insured, or the insured's beneficiary, |
| Williamsburg | | comparing rates at InsWebs online | | for payment of the benefits provided |
| Salt Lake City | | marketplace. If you do it the | | by the contract. |
| Rochester | | old-fashioned way (by calling or | | |
| Atlanta | | visiting multiple agents or insurance | | Paid-In Surplus: Surplus paid in by |
| Pittsburgh | | companies) it could take up a huge | | stockholders, as contrasted with |
| Little Rock | | chunk of your time, which no one | | surplus earned through the |
| Westbury | | wants or needs. By completing | | operations of a business. |
| Long Island City | | InsWebs online application, you will | | |
| Sterling Heights | | have rates to compare to your old | | Public Adjuster: An insurance adjuster |
| Westbury | | ones within minutes! | | who represents an insured on a fee |
| Asheville | | | | basis in claims settlement. Contrast |
| Santa Ana | | At InsWeb, you can compare free | | with Independent Adjuster. |
| Modesto | | online insurance quotes from many of | | |
| Johnson City | | the nations leading insurance | | Effective Date: The date on which the |
| Springfield | | companies. | | protection of an insurance policy or |
| Sioux Falls | | | | bond goes into effect. |
| Franklin | | Healthy people have the best | | |
| Shreveport | | mortality risks and thus are much | | Agency Contract (or Agreement): The |
| Gainesville | | cheaper for companies to insure. This | | document which establishes the legal |
| Melbourne | | translates into lower rates for the | | relationship between an agent and an |
| Williamsburg | | Super Preferred customer than | | insurer. |
| Seattle | | someone with higher risk factors such | | |
| Lawton | | as a heart condition, cancer or | | Indemnity: Restoration to the victim of |
| Malden | | diabetes. Conversely, if you were | | a loss by payment, repair, or |
| Memphis | | unhealthy when you acquired your | | replacement. |
| Omaha | | policy, and your health has now | | |
| Thousand Oaks | | improved, it might be time to shop for | | Legislative Risk: A risk faced by |
| Hemet | | a new policy, as your rates are likely | | investors whereby changes in tax |
| North Hollywood | | to be lower. | | laws can result in adverse effects on |
| Aurora | | | | the individual's investment results. |
| Asheville | | We offer quotes for auto insurance, | | |
| Silver Spring | | life insurance, homeowners | | Brokerage Business: Business |
| Raleigh | | insurance, health insurance, term life | | offered to an insurer by a broker. This |
| Edmond | | insurance and more. | | is sometimes called excess or |
| Albuquerque | | | | surplus business. |
