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| Santa Clara | | Everyone has different needs, and | | Equity: The money value of an |
| Lowell | | not one size fits all when it comes to | | insurance company that is over and |
| Albuquerque | | term life insurance. While it may make | | above its liabilities. Liabilities include |
| Hemet | | sense for people in their 30s and 40s | | almost all of its reserves. |
| Jacksonville | | to secure a 20-year term length, a | | |
| Edison | | 10-year term might be more | | Nonadmitted Insurer: An insurer not |
| Ann Arbor | | appropriate for someone nearing | | licensed to do business in the |
| Nashville | | retirement. | | jurisdiction in question. Same as |
| Valdosta | | | | Unauthorized Insurer and Unlicensed |
| Erie | | Shopping around is the best way to | | Insurer. |
| Ventura | | save money on your insurance. | | |
| Santa Monica | | | | Indemnity: Restoration to the victim of |
| Macon | | We offer quotes for auto insurance, | | a loss by payment, repair, or |
| Nashua | | life insurance, homeowners | | replacement. |
| Augusta | | insurance, health insurance, term life | | |
| Huntington Beach | | insurance and more. | | Premium Receipt: The receipt given |
| Bloomington | | | | a policy owner for the payment of a |
| Milwaukee | | The quickest and easiest way to | | premium. |
| Garland | | shop for new insurance is by | | |
| Killeen | | comparing rates at InsWebs online | | First Party Insurance: Insurance which |
| Tempe | | marketplace. If you do it the | | applies to coverage for the insured's |
| Alameda | | old-fashioned way (by calling or | | own property or person. Contrast with |
| Lafayette | | visiting multiple agents or insurance | | Third Party Insurance. |
| Naperville | | companies) it could take up a huge | | |
| Detroit | | chunk of your time, which no one | | Business: In Property, Liability, and |
| Wilmington | | wants or needs. By completing | | Health lines, it usually refers to the |
| Sioux Falls | | InsWebs online application, you will | | volume of premiums. |
| Greenville | | have rates to compare to your old | | |
| Cherry Hill | | ones within minutes! | | Retrospective Premium: The final |
| Akron | | | | premium in a retrospective rating |
| Council Bluffs | | While some companies raise their | | plan. See Retrospective Rating. |
| Redlands | | prices based on your actual age, | | |
| Oakland | | most companies increase the price of | | Leasehold: An agreement which |
| Phoenix | | their policies six months before your | | gives a person the right to use and |
| Birmingham | | birthday. Its a term called Age | | occupy property. |
| Houston | | Nearest in the industry, and that | | |
| Virginia Beach | | half-year price increase could really | | |
| Evanston | | add up over a 20-year term policy. As | | |
| Palm Harbor | | above, the quicker you purchase your | | |
| Alexandria | | policy the better. | | |
