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| Bakersfield | | The quickest and easiest way to | | Cash Flow Underwriting: The use of |
| Clearwater | | shop for new insurance is by | | rating and premium collection |
| Stockton | | comparing rates at InsWebs online | | techniques by insurance companies |
| Bloomington | | marketplace. If you do it the | | to maximize interest earnings on |
| Hickory | | old-fashioned way (by calling or | | premiums. |
| Honolulu | | visiting multiple agents or insurance | | |
| Gulfport | | companies) it could take up a huge | | Burning Ratio: The ratio of losses |
| Clearwater | | chunk of your time, which no one | | suffered to the amount of insurance in |
| Burbank | | wants or needs. By completing | | effect. |
| Waterloo | | InsWebs online application, you will | | |
| Palo Alto | | have rates to compare to your old | | Broker of Record: A broker who has |
| Dothan | | ones within minutes! | | been designated to handle certain |
| Mesa | | | | insurance contracts for the |
| Williamsport | | Healthy people have the best | | policyholder. |
| High Point | | mortality risks and thus are much | | |
| Toms River | | cheaper for companies to insure. This | | Mutualization: The process of |
| Santa Clara | | translates into lower rates for the | | converting a stock insurer to a mutual |
| Huntington Beach | | Super Preferred customer than | | insurer, accomplished by having the |
| Plano | | someone with higher risk factors such | | insurer buy stock and retire it. |
| Cincinnati | | as a heart condition, cancer or | | |
| Fullerton | | diabetes. Conversely, if you were | | Net Interest Earned: The average |
| Corona | | unhealthy when you acquired your | | interest earned by an insurer on its |
| Colorado Springs | | policy, and your health has now | | investments after investment expense |
| Wilmington | | improved, it might be time to shop for | | but before federal income taxes. |
| Portland | | a new policy, as your rates are likely | | |
| Chattanooga | | to be lower. | | Nonassignable: A policy that the |
| Indianapolis | | | | owner cannot assign to a third party. |
| Chula Vista | | Life insurance, specifically Term Life, | | Most policies are nonassignable |
| Anderson | | is arguably one of the best values in | | unless approval is given by the |
| Alpharetta | | the entire financial services arena. | | insurer. |
| Jersey City | | Where else can you go and get | | |
| Fort Lauderdale | | hundreds of thousands of dollars in | | Partial Loss: A loss covered by an |
| Orange Park | | protection for literally pennies per | | insurance policy which does not |
| Alexandria | | day? Rates for Term Life insurance | | completely destroy or render |
| Canton | | remain at all-time lows, and now is the | | worthless the insured property. |
| Alexandria | | time to lock in the best prices. | | |
