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| Lansing | | We offer quotes for auto insurance, | | Basic Rate: The manual rate from |
| Palo Alto | | life insurance, homeowners | | which discounts are taken or to which |
| Norwalk | | insurance, health insurance, term life | | charges are added to reflect the |
| Nashville | | insurance and more. | | individual circumstances of a risk. |
| Killeen | | | | |
| Fayetteville | | People who are trying to quit | | Losses Incurred: The total losses, |
| Ventura | | smoking, for example, might be best | | whether paid or not, sustained by an |
| Washington | | suited purchasing a shorter term (and | | insurer during a given period, e.g., 12 |
| Pembroke Pines | | then replacing it with a longer term | | months. |
| West Palm Beach | | policy when they qualify for | | |
| Lexington | | non-tobacco prices). | | Nonassignable: A policy that the |
| Kingsport | | | | owner cannot assign to a third party. |
| Duluth | | Shopping around is the best way to | | Most policies are nonassignable |
| Fort Collins | | save money on your insurance. | | unless approval is given by the |
| Jasper | | | | insurer. |
| Edison | | While some companies raise their | | |
| Evansville | | prices based on your actual age, | | Operating Expense: The expense of |
| Modesto | | most companies increase the price of | | an insurer other than commissions |
| Miami | | their policies six months before your | | and taxes. Called " and Insurance |
| Cookeville | | birthday. Its a term called Age | | Expense" in the convention statement |
| Midland | | Nearest in the industry, and that | | blank. |
| Sunnyvale | | half-year price increase could really | | |
| Carlsbad | | add up over a 20-year term policy. As | | Liabilities: Money owed or expected |
| Valdosta | | above, the quicker you purchase your | | to be owed. Insurance company |
| Baton Rouge | | policy the better. | | financial statements, for instance, |
| Shreveport | | | | show assets and liabilities. |
| Morristown | | Individuals who have 30-year | | |
| Hampton | | mortgages might want to consider a | | Underwriters Laboratories, Inc. (UL): A |
| Lawton | | 30-year term to ensure that the house | | testing laboratory for manufactured |
| Jacksonville | | is protected throughout the period of | | items to determine their safety |
| Newburgh | | the loan. | | propensities. |