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| Harrisburg | | Healthy people have the best | | Liabilities: Money owed or expected |
| Salem | | mortality risks and thus are much | | to be owed. Insurance company |
| Evanston | | cheaper for companies to insure. This | | financial statements, for instance, |
| Louisville | | translates into lower rates for the | | show assets and liabilities. |
| Union | | Super Preferred customer than | | |
| Warren | | someone with higher risk factors such | | Borderline Risk: An insurance |
| Longwood | | as a heart condition, cancer or | | prospect of doubtful quality from an |
| Honolulu | | diabetes. Conversely, if you were | | underwriting point of view. |
| Winter Park | | unhealthy when you acquired your | | |
| Seattle | | policy, and your health has now | | Producer: A term applied to an agent, |
| Baton Rouge | | improved, it might be time to shop for | | solicitor or other person who sells |
| Orlando | | a new policy, as your rates are likely | | insurance. |
| Yuma | | to be lower. | | |
| Scottsdale | | | | Agency: An insurance sales office |
| Providence | | Shopping around is the best way to | | which is directed by a agent, |
| Williamsport | | save money on your insurance. | | manager, independent agent, or |
| Whittier | | | | company manager. |
| Erie | | Everyone has different needs, and | | |
| Torrance | | not one size fits all when it comes to | | Loss Frequency: The number of times |
| Anderson | | term life insurance. While it may make | | a loss occurs over a specific period |
| Dubuque | | sense for people in their 30s and 40s | | of time. |
| Lakewood | | to secure a 20-year term length, a | | |
| Trenton | | 10-year term might be more | | Captive Agent: One who sells |
| Wilmington | | appropriate for someone nearing | | insurance for only one company as |
| Hattiesburg | | retirement. | | opposed to an agent who represents |
| Tampa | | | | several companies. |
| Lowell | | We offer quotes for auto insurance, | | |
| Providence | | life insurance, homeowners | | Basic Rate: The manual rate from |
| Tyler | | insurance, health insurance, term life | | which discounts are taken or to which |
| Milwaukee | | insurance and more. | | charges are added to reflect the |
| Boston | | | | individual circumstances of a risk. |
| Eugene | | The quickest and easiest way to | | |
| Poughkeepsie | | shop for new insurance is by | | Interstate Carrier: A transportation |
| Cambridge | | comparing rates at InsWebs online | | company which does business |
| Canton | | marketplace. If you do it the | | across state lines. |
| Santa Barbara | | old-fashioned way (by calling or | | |
| Grand Prairie | | visiting multiple agents or insurance | | |
| Las Vegas | | companies) it could take up a huge | | |
| Green Bay | | chunk of your time, which no one | | |
| Norfolk | | wants or needs. By completing | | |
| Cape Coral | | InsWebs online application, you will | | |
| North Hollywood | | have rates to compare to your old | | |
| Hot Springs | | ones within minutes! | | |
