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| Rockville | | Individuals who have 30-year | | Net Loss: The amount of loss |
| Lubbock | | mortgages might want to consider a | | sustained by an insurer after giving |
| Dubuque | | 30-year term to ensure that the house | | effect to all applicable reinsurance, |
| Sioux Falls | | is protected throughout the period of | | salvage, and subrogation recoveries. |
| Lowell | | the loan. | | |
| Norfolk | | | | Other Insurance: The existence of |
| Hickory | | Everyone has different needs, and | | other contracts covering the same |
| Peoria | | not one size fits all when it comes to | | interest and perils. |
| Lorain | | term life insurance. While it may make | | |
| San Bernardino | | sense for people in their 30s and 40s | | Policywriting Agent: An agent who has |
| Lafayette | | to secure a 20-year term length, a | | the authority to prepare and effect an |
| Oklahoma City | | 10-year term might be more | | insurer's policy. |
| Muskegon | | appropriate for someone nearing | | |
| Newark | | retirement. | | Premises: The particular location of |
| Mobile | | | | property or a portion thereof as |
| Pensacola | | Make sure you have a new policy in | | designated in a policy. |
| Montgomery | | place before you cancel your old one | | |
| Englewood | | to avoid a lapse in coverage. This will | | Underwriters Laboratories, Inc. (UL): A |
| Roanoke | | also prevent having to figure out the | | testing laboratory for manufactured |
| Lake Worth | | amount of any unused premium that is | | items to determine their safety |
| York | | due to you from your old insurance | | propensities. |
| Boulder | | company, or having to spar with your | | |
| Santa Barbara | | agent about exactly when your policy | | National Auto Theft Bureau: An |
| Lubbock | | was cancelled and how much they | | organization engaged in the |
| Olympia | | owe you. | | prevention and reduction of motor |
| Bloomington | | | | vehicle fire and theft losses. |
| Colorado Springs | | People who are trying to quit | | |
| Las Cruces | | smoking, for example, might be best | | Brokerage Business: Business |
| Philadelphia | | suited purchasing a shorter term (and | | offered to an insurer by a broker. This |
| Columbus | | then replacing it with a longer term | | is sometimes called excess or |
| Lawrenceville | | policy when they qualify for | | surplus business. |
| Lake Worth | | non-tobacco prices). | | |
| Newburgh | | | | Submitted Business: Applications for |
| Peoria | | The quickest and easiest way to | | insurance submitted to an insurer but |
| Norfolk | | shop for new insurance is by | | not yet acted upon by it. |
| Zanesville | | comparing rates at InsWebs online | | |
| Tacoma | | marketplace. If you do it the | | |
| Whittier | | old-fashioned way (by calling or | | |
| Johnstown | | visiting multiple agents or insurance | | |
| Santa Rosa | | companies) it could take up a huge | | |
| Belleville | | chunk of your time, which no one | | |
| San Jose | | wants or needs. By completing | | |
| Cookeville | | InsWebs online application, you will | | |
| Texarkana | | have rates to compare to your old | | |
| Alpharetta | | ones within minutes! | | |
