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| Worcester | | We offer quotes for auto insurance, | | Valued: Relating to an agreement by |
| Midland | | life insurance, homeowners | | an insurer to pay a specified amount |
| Baton Rouge | | insurance, health insurance, term life | | of money to or on behalf of the |
| Oakland | | insurance and more. | | insured upon occurrence of a defined |
| Knoxville | | | | loss. |
| Venice | | At InsWeb, you can compare free | | |
| Providence | | online insurance quotes from many of | | Accident: An unplanned event, |
| Augusta | | the nations leading insurance | | unexpected and undesigned, which |
| Sterling Heights | | companies. | | occurs suddenly and at a definite |
| Harlingen | | | | place. |
| Scottsdale | | Everyone has different needs, and | | |
| Gulfport | | not one size fits all when it comes to | | Mandatory Valuation Reserve: A |
| South Bend | | term life insurance. While it may make | | reserve required by a state law to |
| Chesapeake | | sense for people in their 30s and 40s | | offset any declines in the valuation of |
| Tacoma | | to secure a 20-year term length, a | | securities listed as admitted assets. |
| Providence | | 10-year term might be more | | |
| Bay City | | appropriate for someone nearing | | Loss Adjustment Expense: The cost |
| Decatur | | retirement. | | of adjusting losses, excluding the |
| Fort Smith | | | | amount of the loss itself. |
| Long Island City | | While some companies raise their | | |
| Garland | | prices based on your actual age, | | Insolvent Insurer: An insurer which is |
| Buffalo | | most companies increase the price of | | unable to meet its financial |
| Dubuque | | their policies six months before your | | obligations. |
| Bloomington | | birthday. Its a term called Age | | |
| Wichita Falls | | Nearest in the industry, and that | | Depreciation: A decrease in the value |
| Sioux City | | half-year price increase could really | | of any type of tangible property over |
| Melbourne | | add up over a 20-year term policy. As | | a period of time resulting from use, |
| Long Island City | | above, the quicker you purchase your | | wear and tear, or obsolescence. |
| Palo Alto | | policy the better. | | |
| Huntington Beach | | | | Initial Premium: An amount paid at the |
| Littleton | | The quickest and easiest way to | | inception of an insurance contract, |
| Palo Alto | | shop for new insurance is by | | usually subject to adjustment at the |
| Frederick | | comparing rates at InsWebs online | | end of the policy period. |
| Reno | | marketplace. If you do it the | | |
| Canton | | old-fashioned way (by calling or | | |
| Nashua | | visiting multiple agents or insurance | | |
| Salem | | companies) it could take up a huge | | |
| Owensboro | | chunk of your time, which no one | | |
| Midland | | wants or needs. By completing | | |
| Greensboro | | InsWebs online application, you will | | |
| Dayton | | have rates to compare to your old | | |
| Trenton | | ones within minutes! | | |
