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| Saginaw | | Why not take advantage of current | | Society of Insurance Research: An |
| Vancouver | | low prices? Many auto insurance | | organization which encourages |
| Cherry Hill | | consumers are becoming educated | | insurance research and promotes the |
| St. Paul | | on other companies, plans, and rates | | exchange of ideas and methods of |
| Zanesville | | that are available to them; ones that | | research. |
| Escondido | | could afford them significant savings | | |
| Rockville | | on their auto insurance. | | Single Limit: Any insurance coverage |
| Stockton | | | | which is expressed as a single |
| Peoria | | We offer quotes for auto insurance, | | amount of insurance, or a single limit |
| Wichita | | life insurance, homeowners | | of liability. Contrast with Split Limit. |
| Birmingham | | insurance, health insurance, term life | | |
| Abilene | | insurance and more. | | Fictitious Groups: Groups formed |
| Norwalk | | | | primarily for the purpose of buying |
| Topeka | | Individuals who have 30-year | | insurance. Under the law such groups |
| Rochester | | mortgages might want to consider a | | may not be underwritten. |
| Madison | | 30-year term to ensure that the house | | |
| Independence | | is protected throughout the period of | | Multi-Peril Policies: Policies which |
| Knoxville | | the loan. | | cover a number of perils, such as fire, |
| Staten Island | | | | burglary, and liability, in a single |
| Franklin | | The quickest and easiest way to | | contract. |
| Salt Lake City | | shop for new insurance is by | | |
| Hendersonville | | comparing rates at InsWebs online | | Retrospective Premium: The final |
| Springfield | | marketplace. If you do it the | | premium in a retrospective rating |
| Kansas City | | old-fashioned way (by calling or | | plan. See Retrospective Rating. |
| High Point | | visiting multiple agents or insurance | | |
| Spring Hill | | companies) it could take up a huge | | Brokerage Business: Business |
| Woodbridge | | chunk of your time, which no one | | offered to an insurer by a broker. This |
| Scranton | | wants or needs. By completing | | is sometimes called excess or |
| Eugene | | InsWebs online application, you will | | surplus business. |
| Williamsburg | | have rates to compare to your old | | |
| Hickory | | ones within minutes! | | Claim: A demand made by the |
| Tulsa | | | | insured, or the insured's beneficiary, |
| Bloomington | | Everyone has different needs, and | | for payment of the benefits provided |
| Cookeville | | not one size fits all when it comes to | | by the contract. |
| York | | term life insurance. While it may make | | |
| Greeley | | sense for people in their 30s and 40s | | |
| Santa Clara | | to secure a 20-year term length, a | | |
| Jackson | | 10-year term might be more | | |
| Los Angeles | | appropriate for someone nearing | | |
| Fresno | | retirement. | | |
