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| Troy | | Life insurance, specifically Term Life, | | Interstate Carrier: A transportation |
| Miami | | is arguably one of the best values in | | company which does business |
| Chesapeake | | the entire financial services arena. | | across state lines. |
| Woodbridge | | Where else can you go and get | | |
| Torrance | | hundreds of thousands of dollars in | | Foreign Insurer: An insurer domiciled |
| Goldsboro | | protection for literally pennies per | | in a state of the United States other |
| Lincoln | | day? Rates for Term Life insurance | | than the one in which the insured's |
| Charlotte | | remain at all-time lows, and now is the | | insurance is written. |
| Colorado Springs | | time to lock in the best prices. | | |
| Boca Raton | | | | Gross Premium: The net premium |
| Alameda | | The quickest and easiest way to | | plus operating expenses, |
| Schaumburg | | shop for new insurance is by | | commissions and other expenses. |
| Inglewood | | comparing rates at InsWebs online | | |
| Kansas City | | marketplace. If you do it the | | Commercial Lines: This term is used |
| Lancaster | | old-fashioned way (by calling or | | to refer to insurance for businesses, |
| San Bernardino | | visiting multiple agents or insurance | | professionals, and commercial |
| Berkeley | | companies) it could take up a huge | | establishments. |
| Grand Prairie | | chunk of your time, which no one | | |
| Durham | | wants or needs. By completing | | Premium: The price of insurance |
| Fayetteville | | InsWebs online application, you will | | protection for a specified risk for a |
| Burbank | | have rates to compare to your old | | specified period of time. |
| Winter Haven | | ones within minutes! | | |
| Santa Monica | | | | Authorized Insurer: An insurer |
| Bayside | | At InsWeb, you can compare free | | authorized by the state to transact |
| Venice | | online insurance quotes from many of | | business in that state for specific |
| Springfield | | the nations leading insurance | | types of insurance. |
| Berkeley | | companies. | | |
| Tulsa | | | | Burning Ratio: The ratio of losses |
| Cranston | | Healthy people have the best | | suffered to the amount of insurance in |
| Allentown | | mortality risks and thus are much | | effect. |
| Phoenix | | cheaper for companies to insure. This | | |
| Frederick | | translates into lower rates for the | | Agency Company: An insurance |
| Athens | | Super Preferred customer than | | company that produces business |
| Midland | | someone with higher risk factors such | | through an agency network. Contrast |
| Union | | as a heart condition, cancer or | | with Direct Writer. |
| Duluth | | diabetes. Conversely, if you were | | |
| Palm Harbor | | unhealthy when you acquired your | | |
| Las Vegas | | policy, and your health has now | | |
| Acworth | | improved, it might be time to shop for | | |
| Coral Springs | | a new policy, as your rates are likely | | |
| Ann Arbor | | to be lower. | | |
