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| Conroe | | The quickest and easiest way to | | Net Retention: The amount of |
| South Bend | | shop for new insurance is by | | insurance that a ceding company |
| Jacksonville | | comparing rates at InsWebs online | | keeps for its own account and does |
| Columbia | | marketplace. If you do it the | | not reinsure. |
| Orange Park | | old-fashioned way (by calling or | | |
| Columbus | | visiting multiple agents or insurance | | National Auto Theft Bureau: An |
| El Paso | | companies) it could take up a huge | | organization engaged in the |
| Arlington | | chunk of your time, which no one | | prevention and reduction of motor |
| Houma | | wants or needs. By completing | | vehicle fire and theft losses. |
| Venice | | InsWebs online application, you will | | |
| Arlington | | have rates to compare to your old | | Line of Business: The classification of |
| Boston | | ones within minutes! | | business as utilized in the insurance |
| Wilmington | | | | industry, e.g., Fire, Allied Lines and |
| Metairie | | Why not take advantage of current | | Homeowners. |
| Warwick | | low prices? Many auto insurance | | |
| Wichita Falls | | consumers are becoming educated | | Inspection: Independent checking on |
| Sioux City | | on other companies, plans, and rates | | facts about an applicant, |
| Lafayette | | that are available to them; ones that | | policyholder, or claimant, usually by a |
| Bloomington | | could afford them significant savings | | commercial inspection agency. |
| Zanesville | | on their auto insurance. | | |
| Biloxi | | | | Insurance to Value: Insurance written |
| Fort Worth | | We offer quotes for auto insurance, | | in an amount approximating the value |
| Fayetteville | | life insurance, homeowners | | of the property insured. |
| Miami | | insurance, health insurance, term life | | |
| Billings | | insurance and more. | | Admitted Company: An insurance |
| Cypress | | | | company authorized and licensed to |
| Schaumburg | | Healthy people have the best | | do business in a given state. |
| Boynton Beach | | mortality risks and thus are much | | |
| Warren | | cheaper for companies to insure. This | | Exclusions: Specific situations, |
| Cookeville | | translates into lower rates for the | | conditions, or circumstances that are |
| Schaumburg | | Super Preferred customer than | | listed in the contract as being not |
| Racine | | someone with higher risk factors such | | covered. |
| Baltimore | | as a heart condition, cancer or | | |
| Cookeville | | diabetes. Conversely, if you were | | Equity: The money value of an |
| Malden | | unhealthy when you acquired your | | insurance company that is over and |
| Pueblo | | policy, and your health has now | | above its liabilities. Liabilities include |
| Rapid City | | improved, it might be time to shop for | | almost all of its reserves. |
| Mobile | | a new policy, as your rates are likely | | |
| Elkhart | | to be lower. | | |