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| Greeley | | We offer quotes for auto insurance, | | Loss Frequency: The number of times |
| Santa Rosa | | life insurance, homeowners | | a loss occurs over a specific period |
| Tacoma | | insurance, health insurance, term life | | of time. |
| Texarkana | | insurance and more. | | |
| Muskegon | | | | Policy Period (or Term): The period |
| Marietta | | Everyone has different needs, and | | during which the policy contract |
| Costa Mesa | | not one size fits all when it comes to | | affords protection, e.g., six months or |
| Fredericksburg | | term life insurance. While it may make | | one or three years. |
| Boca Raton | | sense for people in their 30s and 40s | | |
| Lake Charles | | to secure a 20-year term length, a | | Endorsement: A written or printed form |
| San Jose | | 10-year term might be more | | attached to the policy which alters |
| Spartanburg | | appropriate for someone nearing | | provisions of the contract. |
| Billings | | retirement. | | |
| Garland | | | | Malicious Mischief: Similar to |
| Albany | | Individuals who have 30-year | | vandalism. Purposely damaging the |
| St. Joseph | | mortgages might want to consider a | | rights or property of another. |
| Rapid City | | 30-year term to ensure that the house | | |
| Pueblo | | is protected throughout the period of | | You/Your: These words are used to |
| Evansville | | the loan. | | refer to the named insured in many of |
| Winter Park | | | | the modernized/personalized policy |
| Kingsport | | The quickest and easiest way to | | forms. |
| Tampa | | shop for new insurance is by | | |
| Newark | | comparing rates at InsWebs online | | Indemnity: Restoration to the victim of |
| Buffalo | | marketplace. If you do it the | | a loss by payment, repair, or |
| Dothan | | old-fashioned way (by calling or | | replacement. |
| Detroit | | visiting multiple agents or insurance | | |
| Springfield | | companies) it could take up a huge | | Net Retention: The amount of |
| Irving | | chunk of your time, which no one | | insurance that a ceding company |
| Birmingham | | wants or needs. By completing | | keeps for its own account and does |
| Fullerton | | InsWebs online application, you will | | not reinsure. |
| Rochester | | have rates to compare to your old | | |
| Long Beach | | ones within minutes! | | Shock Loss: A catastrophic loss so |
| Vancouver | | | | large that it has a material effect on |
| Fort Smith | | While some companies raise their | | the underwriting results of a company. |
| Tempe | | prices based on your actual age, | | |
| Glendale | | most companies increase the price of | | |
| Irving | | their policies six months before your | | |
| Franklin | | birthday. Its a term called Age | | |
| Bayside | | Nearest in the industry, and that | | |
| Fresno | | half-year price increase could really | | |
| Aurora | | add up over a 20-year term policy. As | | |
| Tucson | | above, the quicker you purchase your | | |
| Topeka | | policy the better. | | |
