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| Knoxville | | If you have noticed that your auto | | FICA. Federal Insurance Contributions |
| Torrance | | insurance rates are still increasing | | Act: A law imposing a payroll tax to |
| Walnut Creek | | with each renewal, or even have not | | assist in funding Social Security |
| Bloomington | | gone down even though you have a | | benefits. |
| Wilmington | | great driving record, this lower pricing | | |
| Memphis | | trend makes it more important then | | Mandatory Valuation Reserve: A |
| Atlanta | | ever that you shop around for auto | | reserve required by a state law to |
| Jersey City | | insurance. | | offset any declines in the valuation of |
| Walnut Creek | | | | securities listed as admitted assets. |
| Henderson | | We offer quotes for auto insurance, | | |
| Philadelphia | | life insurance, homeowners | | War Risk Insurance: Insurance |
| Bloomington | | insurance, health insurance, term life | | covering damage caused by war. |
| Duluth | | insurance and more. | | Most often written by Ocean Marine |
| Norwalk | | | | Insurance companies covering |
| Southfield | | The quickest and easiest way to | | vessels. |
| Kalamazoo | | shop for new insurance is by | | |
| Bronx | | comparing rates at InsWebs online | | Legislative Risk: A risk faced by |
| Orlando | | marketplace. If you do it the | | investors whereby changes in tax |
| Aurora | | old-fashioned way (by calling or | | laws can result in adverse effects on |
| Columbus | | visiting multiple agents or insurance | | the individual's investment results. |
| Costa Mesa | | companies) it could take up a huge | | |
| Cherry Hill | | chunk of your time, which no one | | Insolvent Insurer: An insurer which is |
| Scottsdale | | wants or needs. By completing | | unable to meet its financial |
| Tulsa | | InsWebs online application, you will | | obligations. |
| Gulfport | | have rates to compare to your old | | |
| Newport News | | ones within minutes! | | Lloyd's Broker: A person who has the |
| Downey | | | | authority to negotiate insurance |
| Albany | | Healthy people have the best | | contracts with the underwriters on the |
| Billings | | mortality risks and thus are much | | floor at Lloyd's. |
| Mesa | | cheaper for companies to insure. This | | |
| Fayetteville | | translates into lower rates for the | | Dual Life Stock Company: A stock |
| Sacramento | | Super Preferred customer than | | Life insurer issuing both participating |
| Spring Hill | | someone with higher risk factors such | | and nonparticipating policy contracts. |
| Kingsport | | as a heart condition, cancer or | | |
| Washington | | diabetes. Conversely, if you were | | |
| Boise | | unhealthy when you acquired your | | |
| Lake Charles | | policy, and your health has now | | |
| Houma | | improved, it might be time to shop for | | |
| Columbia | | a new policy, as your rates are likely | | |
| Los Angeles | | to be lower. | | |
