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| North Hollywood | | Shopping around is the best way to | | Retrospective Premium: The final |
| Midland | | save money on your insurance. | | premium in a retrospective rating |
| Newark | | | | plan. See Retrospective Rating. |
| New Orleans | | Everyone has different needs, and | | |
| Norwalk | | not one size fits all when it comes to | | Divided Cover: The placing of |
| Pittsburgh | | term life insurance. While it may make | | insurance on a given subject or |
| Cranston | | sense for people in their 30s and 40s | | object with more than one insurer. |
| Oakland | | to secure a 20-year term length, a | | |
| Cedar Rapids | | 10-year term might be more | | Gain and Loss Exhibit: The portion of |
| Escondido | | appropriate for someone nearing | | the convention blank which |
| Waterloo | | retirement. | | represents an analysis of gains, |
| Flint | | | | losses, and surplus during an |
| Alameda | | Make sure you have a new policy in | | accounting period. |
| St. Joseph | | place before you cancel your old one | | |
| Detroit | | to avoid a lapse in coverage. This will | | Society of Insurance Research: An |
| Lima | | also prevent having to figure out the | | organization which encourages |
| Kansas City | | amount of any unused premium that is | | insurance research and promotes the |
| Oxnard | | due to you from your old insurance | | exchange of ideas and methods of |
| Bloomington | | company, or having to spar with your | | research. |
| Jonesboro | | agent about exactly when your policy | | |
| Wichita Falls | | was cancelled and how much they | | Foreign Insurer: An insurer domiciled |
| Long Beach | | owe you. | | in a state of the United States other |
| Plano | | | | than the one in which the insured's |
| Clarksville | | Life insurance, specifically Term Life, | | insurance is written. |
| Albany | | is arguably one of the best values in | | |
| Duluth | | the entire financial services arena. | | Broker-Agent: One acting as an agent |
| Florissant | | Where else can you go and get | | of one or more insurers and as a |
| Pembroke Pines | | hundreds of thousands of dollars in | | broker in dealing with one or more |
| Flushing | | protection for literally pennies per | | other insurers. |
| Whittier | | day? Rates for Term Life insurance | | |
| Peoria | | remain at all-time lows, and now is the | | Brokerage Department: A department |
| Fayetteville | | time to lock in the best prices. | | of an insurer whose purpose is to |
| Inglewood | | | | deal with brokers in the placing of |
| Glendale | | The quickest and easiest way to | | insurance. |
| Norfolk | | shop for new insurance is by | | |
| Edmond | | comparing rates at InsWebs online | | |
| Portland | | marketplace. If you do it the | | |
| Gainesville | | old-fashioned way (by calling or | | |
| West Chester | | visiting multiple agents or insurance | | |
| Longwood | | companies) it could take up a huge | | |
| Clinton Township | | chunk of your time, which no one | | |
| Allentown | | wants or needs. By completing | | |
| Metairie | | InsWebs online application, you will | | |
| Macon | | have rates to compare to your old | | |
| Pensacola | | ones within minutes! | | |
