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| Oxnard | | People who are trying to quit | | Agent's Qualification Law: Education, |
| Torrance | | smoking, for example, might be best | | experience, and other requirements |
| Burbank | | suited purchasing a shorter term (and | | imposed by the state upon persons |
| Worcester | | then replacing it with a longer term | | desiring to be licensed as agents. |
| Oceanside | | policy when they qualify for | | |
| Tempe | | non-tobacco prices). | | You/Your: These words are used to |
| Tempe | | | | refer to the named insured in many of |
| South Bend | | At InsWeb, you can compare free | | the modernized/personalized policy |
| Thousand Oaks | | online insurance quotes from many of | | forms. |
| Reno | | the nations leading insurance | | |
| Warwick | | companies. | | Broker of Record: A broker who has |
| Rochester | | | | been designated to handle certain |
| Orange Park | | The quickest and easiest way to | | insurance contracts for the |
| Indianapolis | | shop for new insurance is by | | policyholder. |
| Denton | | comparing rates at InsWebs online | | |
| Bloomington | | marketplace. If you do it the | | Provisional Rate: Tentative rates, |
| Santa Monica | | old-fashioned way (by calling or | | premiums or commissions that are |
| Manchester | | visiting multiple agents or insurance | | subject to subsequent adjustment. |
| Joliet | | companies) it could take up a huge | | See Commission and Premium. |
| Honolulu | | chunk of your time, which no one | | |
| St. Joseph | | wants or needs. By completing | | Brokerage Business: Business |
| Houma | | InsWebs online application, you will | | offered to an insurer by a broker. This |
| Silver Spring | | have rates to compare to your old | | is sometimes called excess or |
| Kalamazoo | | ones within minutes! | | surplus business. |
