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| Allentown | | The quickest and easiest way to | | Effective Date: The date on which the |
| Westbury | | shop for new insurance is by | | protection of an insurance policy or |
| Santa Ana | | comparing rates at InsWebs online | | bond goes into effect. |
| Jacksonville | | marketplace. If you do it the | | |
| Norwalk | | old-fashioned way (by calling or | | Producer: A term applied to an agent, |
| Albuquerque | | visiting multiple agents or insurance | | solicitor or other person who sells |
| Rapid City | | companies) it could take up a huge | | insurance. |
| St. Louis | | chunk of your time, which no one | | |
| Phoenix | | wants or needs. By completing | | Other Insurance: The existence of |
| Hampton | | InsWebs online application, you will | | other contracts covering the same |
| Fredericksburg | | have rates to compare to your old | | interest and perils. |
| New Orleans | | ones within minutes! | | |
| Bradenton | | | | Liquidity: The ability of an insurer to |
| Longmont | | Healthy people have the best | | convert its assets into cash to pay |
| Rockford | | mortality risks and thus are much | | claims if necessary. |
| Lawrenceville | | cheaper for companies to insure. This | | |
| Arlington | | translates into lower rates for the | | Valuation Clause: A clause stating the |
| El Paso | | Super Preferred customer than | | value of items for insurance |
| Lincoln | | someone with higher risk factors such | | purposes, making it a valued policy. |
| Modesto | | as a heart condition, cancer or | | |
| Cherry Hill | | diabetes. Conversely, if you were | | Deflation: An economic period |
| Billings | | unhealthy when you acquired your | | characterized by falling prices, high |
| Harlingen | | policy, and your health has now | | unemployment and a generally |
| Salt Lake City | | improved, it might be time to shop for | | sluggish or slow economy. |
| Fayetteville | | a new policy, as your rates are likely | | |
| Arlington | | to be lower. | | Commercial Lines: This term is used |
| Longmont | | | | to refer to insurance for businesses, |
| Reno | | People who are trying to quit | | professionals, and commercial |
| Savannah | | smoking, for example, might be best | | establishments. |
| Portland | | suited purchasing a shorter term (and | | |
| Franklin | | then replacing it with a longer term | | Approved Roof: A term used in |
| Roanoke | | policy when they qualify for | | building construction. It indicates a |
| Pasadena | | non-tobacco prices). | | roof made of fire-resistive materials, |
| Mesquite | | | | such as tile or asphalt shingles. |
