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| Springfield | | Shopping around is the best way to | | Valued: Relating to an agreement by |
| Metairie | | save money on your insurance. | | an insurer to pay a specified amount |
| New York | | | | of money to or on behalf of the |
| Kansas City | | Life insurance, specifically Term Life, | | insured upon occurrence of a defined |
| Greeley | | is arguably one of the best values in | | loss. |
| Scranton | | the entire financial services arena. | | |
| Springfield | | Where else can you go and get | | Agency Company: An insurance |
| Venice | | hundreds of thousands of dollars in | | company that produces business |
| Tacoma | | protection for literally pennies per | | through an agency network. Contrast |
| Lawrenceville | | day? Rates for Term Life insurance | | with Direct Writer. |
| Providence | | remain at all-time lows, and now is the | | |
| Williamsport | | time to lock in the best prices. | | Paid-In Surplus: Surplus paid in by |
| Boca Raton | | | | stockholders, as contrasted with |
| Southfield | | The quickest and easiest way to | | surplus earned through the |
| Oceanside | | shop for new insurance is by | | operations of a business. |
| Boynton Beach | | comparing rates at InsWebs online | | |
| Lake Worth | | marketplace. If you do it the | | Burning Ratio: The ratio of losses |
| Lake Charles | | old-fashioned way (by calling or | | suffered to the amount of insurance in |
| San Antonio | | visiting multiple agents or insurance | | effect. |
| Whittier | | companies) it could take up a huge | | |
| Bronx | | chunk of your time, which no one | | Short Rate Premium: The premium |
| Sarasota | | wants or needs. By completing | | required for issuing a policy for a |
| Des Moines | | InsWebs online application, you will | | period less than its normal term. |
| Montgomery | | have rates to compare to your old | | |
| Wilmington | | ones within minutes! | | Submitted Business: Applications for |
| Cypress | | | | insurance submitted to an insurer but |
| Lansing | | People who are trying to quit | | not yet acted upon by it. |
| Nashua | | smoking, for example, might be best | | |
| Hickory | | suited purchasing a shorter term (and | | Not Taken: Policies applied for and |
| Gainesville | | then replacing it with a longer term | | issued but rejected by the proposed |
| Turlock | | policy when they qualify for | | owner and not paid for. |
| York | | non-tobacco prices). | | |
| Huntington | | | | Insurance to Value: Insurance written |
| Las Vegas | | Healthy people have the best | | in an amount approximating the value |
| Baton Rouge | | mortality risks and thus are much | | of the property insured. |
| Durham | | cheaper for companies to insure. This | | |
| Edison | | translates into lower rates for the | | |
| Walnut Creek | | Super Preferred customer than | | |
| Albuquerque | | someone with higher risk factors such | | |
| Huntington Beach | | as a heart condition, cancer or | | |
| Glendale | | diabetes. Conversely, if you were | | |
| Poughkeepsie | | unhealthy when you acquired your | | |
| Lakeland | | policy, and your health has now | | |
| Lima | | improved, it might be time to shop for | | |
| Tucson | | a new policy, as your rates are likely | | |
| Lakeland | | to be lower. | | |
