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| Eugene | | At InsWeb, you can compare free | | Initial Premium: An amount paid at the |
| San Bernardino | | online insurance quotes from many of | | inception of an insurance contract, |
| Columbia | | the nations leading insurance | | usually subject to adjustment at the |
| Bethlehem | | companies. | | end of the policy period. |
| Fort Wayne | | | | |
| Arlington | | Individuals who have 30-year | | Provisions: Statements contained in |
| Olympia | | mortgages might want to consider a | | an insurance policy which explain the |
| Fort Worth | | 30-year term to ensure that the house | | benefits, conditions and other |
| Lima | | is protected throughout the period of | | features of the insurance contract. |
| Duluth | | the loan. | | |
| Bay City | | | | Short-Term Policy: A policy written for |
| Sioux Falls | | Why not take advantage of current | | a period of less time than is normal for |
| Newport Beach | | low prices? Many auto insurance | | that type of policy. |
| Hollywood | | consumers are becoming educated | | |
| Warwick | | on other companies, plans, and rates | | Business: In Property, Liability, and |
| Odessa | | that are available to them; ones that | | Health lines, it usually refers to the |
| Littleton | | could afford them significant savings | | volume of premiums. |
| Spokane | | on their auto insurance. | | |
| Atlanta | | | | Underwriters Laboratories, Inc. (UL): A |
| Reading | | Healthy people have the best | | testing laboratory for manufactured |
| Berkeley | | mortality risks and thus are much | | items to determine their safety |
| Denver | | cheaper for companies to insure. This | | propensities. |
| New Port Richey | | translates into lower rates for the | | |
| Warren | | Super Preferred customer than | | Operating Expense: The expense of |
| Tallahassee | | someone with higher risk factors such | | an insurer other than commissions |
| Sunnyvale | | as a heart condition, cancer or | | and taxes. Called " and Insurance |
| Dubuque | | diabetes. Conversely, if you were | | Expense" in the convention statement |
| Wichita Falls | | unhealthy when you acquired your | | blank. |
| Pasadena | | policy, and your health has now | | |
| Garland | | improved, it might be time to shop for | | Convention Values: Values assigned |
| Raleigh | | a new policy, as your rates are likely | | to insurers' assets in the convention |
| Sioux City | | to be lower. | | blank. |
