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| West Palm Beach | | We offer quotes for auto insurance, | | Inspection: Independent checking on |
| Pompano Beach | | life insurance, homeowners | | facts about an applicant, |
| Shreveport | | insurance, health insurance, term life | | policyholder, or claimant, usually by a |
| Ventura | | insurance and more. | | commercial inspection agency. |
| Chesapeake | | | | |
| Franklin | | Shopping around is the best way to | | Lloyd's Broker: A person who has the |
| Worcester | | save money on your insurance. | | authority to negotiate insurance |
| Las Cruces | | | | contracts with the underwriters on the |
| Englewood | | The quickest and easiest way to | | floor at Lloyd's. |
| Greeley | | shop for new insurance is by | | |
| Salem | | comparing rates at InsWebs online | | Paid-In Surplus: Surplus paid in by |
| West Palm Beach | | marketplace. If you do it the | | stockholders, as contrasted with |
| Gainesville | | old-fashioned way (by calling or | | surplus earned through the |
| Sarasota | | visiting multiple agents or insurance | | operations of a business. |
| Vero Beach | | companies) it could take up a huge | | |
| Decatur | | chunk of your time, which no one | | Incurred Expense: Expenses not yet |
| Lafayette | | wants or needs. By completing | | paid. Can also include paid |
| Lexington | | InsWebs online application, you will | | expenses in some accounting |
| Spokane | | have rates to compare to your old | | systems. |
| Cambridge | | ones within minutes! | | |
| Lawrenceville | | | | Brokerage Department: A department |
| Pembroke Pines | | Individuals who have 30-year | | of an insurer whose purpose is to |
| Lincoln | | mortgages might want to consider a | | deal with brokers in the placing of |
| Turlock | | 30-year term to ensure that the house | | insurance. |
| Delray Beach | | is protected throughout the period of | | |
| Gaithersburg | | the loan. | | Mandatory Valuation Reserve: A |
| Pittsburgh | | | | reserve required by a state law to |
| Jonesboro | | At InsWeb, you can compare free | | offset any declines in the valuation of |
| Roanoke | | online insurance quotes from many of | | securities listed as admitted assets. |
| Portland | | the nations leading insurance | | |
| Lakewood | | companies. | | Domestic Insurer (or Company): An |
| Brooklyn | | | | insurer formed under the laws of the |
| Virginia Beach | | While some companies raise their | | state in which the insurance is written. |
| Lake Charles | | prices based on your actual age, | | |
| White Plains | | most companies increase the price of | | |
| Fairfax | | their policies six months before your | | |
| Redlands | | birthday. Its a term called Age | | |
| Reading | | Nearest in the industry, and that | | |
| Huntington | | half-year price increase could really | | |
| Kansas City | | add up over a 20-year term policy. As | | |
| Southfield | | above, the quicker you purchase your | | |
| Hattiesburg | | policy the better. | | |
