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| Palo Alto | | Individuals who have 30-year | | Commercial Lines: This term is used |
| Houma | | mortgages might want to consider a | | to refer to insurance for businesses, |
| San Francisco | | 30-year term to ensure that the house | | professionals, and commercial |
| Garland | | is protected throughout the period of | | establishments. |
| Toledo | | the loan. | | |
| Raleigh | | | | Mandatory Valuation Reserve: A |
| Modesto | | We offer quotes for auto insurance, | | reserve required by a state law to |
| Brooklyn | | life insurance, homeowners | | offset any declines in the valuation of |
| Lake Worth | | insurance, health insurance, term life | | securities listed as admitted assets. |
| Newport Beach | | insurance and more. | | |
| Tempe | | | | Claim: A demand made by the |
| Fairfax | | Why not take advantage of current | | insured, or the insured's beneficiary, |
| Frederick | | low prices? Many auto insurance | | for payment of the benefits provided |
| Beaumont | | consumers are becoming educated | | by the contract. |
| Memphis | | on other companies, plans, and rates | | |
| Pittsburgh | | that are available to them; ones that | | Gain and Loss Exhibit: The portion of |
| Venice | | could afford them significant savings | | the convention blank which |
| Decatur | | on their auto insurance. | | represents an analysis of gains, |
| Arlington | | | | losses, and surplus during an |
| Lakeland | | Shopping around is the best way to | | accounting period. |
| Milwaukee | | save money on your insurance. | | |
| Eugene | | | | Policy Anniversary: The anniversary |
| Milwaukee | | The quickest and easiest way to | | of the date of issue of a policy as |
| Elkhart | | shop for new insurance is by | | shown in the policy declarations. |
| Abilene | | comparing rates at InsWebs online | | |
| Fayetteville | | marketplace. If you do it the | | Net Interest Earned: The average |
| Scottsdale | | old-fashioned way (by calling or | | interest earned by an insurer on its |
| Las Vegas | | visiting multiple agents or insurance | | investments after investment expense |
| Huntsville | | companies) it could take up a huge | | but before federal income taxes. |
| Lawton | | chunk of your time, which no one | | |
| Marietta | | wants or needs. By completing | | Mutualization: The process of |
| Pasadena | | InsWebs online application, you will | | converting a stock insurer to a mutual |
| Lakeland | | have rates to compare to your old | | insurer, accomplished by having the |
| Walnut Creek | | ones within minutes! | | insurer buy stock and retire it. |
