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| Quincy | | We offer quotes for auto insurance, | | New For Old: Replacing old |
| Denton | | life insurance, homeowners | | damaged parts or equipment with |
| Cambridge | | insurance, health insurance, term life | | new ones rather than repairing them. |
| Malden | | insurance and more. | | |
| Portland | | | | Gross Premium: The net premium |
| Grand Rapids | | Life insurance, specifically Term Life, | | plus operating expenses, |
| Wilmington | | is arguably one of the best values in | | commissions and other expenses. |
| Troy | | the entire financial services arena. | | |
| Goldsboro | | Where else can you go and get | | Equity: The money value of an |
| Dearborn | | hundreds of thousands of dollars in | | insurance company that is over and |
| Belleville | | protection for literally pennies per | | above its liabilities. Liabilities include |
| Salem | | day? Rates for Term Life insurance | | almost all of its reserves. |
| Mesa | | remain at all-time lows, and now is the | | |
| Whittier | | time to lock in the best prices. | | Producer: A term applied to an agent, |
| El Paso | | | | solicitor or other person who sells |
| Boca Raton | | If you have noticed that your auto | | insurance. |
| Dearborn | | insurance rates are still increasing | | |
| Jonesboro | | with each renewal, or even have not | | Premium Notice: A form notice from |
| Goldsboro | | gone down even though you have a | | an insurer or agency to a policy |
| Huntington Beach | | great driving record, this lower pricing | | owner that a premium will be due on a |
| Manchester | | trend makes it more important then | | given date. |
| Longmont | | ever that you shop around for auto | | |
| Columbia | | insurance. | | Liabilities: Money owed or expected |
| Fort Smith | | | | to be owed. Insurance company |
| Lorain | | While some companies raise their | | financial statements, for instance, |
| Duluth | | prices based on your actual age, | | show assets and liabilities. |
| Bloomington | | most companies increase the price of | | |
| Anaheim | | their policies six months before your | | Losses Incurred: The total losses, |
| Anchorage | | birthday. Its a term called Age | | whether paid or not, sustained by an |
| Albany | | Nearest in the industry, and that | | insurer during a given period, e.g., 12 |
| Chesapeake | | half-year price increase could really | | months. |
| Morristown | | add up over a 20-year term policy. As | | |
| Long Island City | | above, the quicker you purchase your | | Coding: A method of putting |
| Lakeland | | policy the better. | | information into a numerical form for |
| Santa Barbara | | | | statistical use. Most information on |
| Atlanta | | | | policies is coded and then put into |
| West Chester | | | | reports. |
