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| Saginaw | | At InsWeb, you can compare free | | Underwriters Laboratories, Inc. (UL): A |
| Reading | | online insurance quotes from many of | | testing laboratory for manufactured |
| Henderson | | the nations leading insurance | | items to determine their safety |
| Duluth | | companies. | | propensities. |
| Santa Clara | | | | |
| Providence | | Why not take advantage of current | | Cash Flow Underwriting: The use of |
| Johnson City | | low prices? Many auto insurance | | rating and premium collection |
| Stuart | | consumers are becoming educated | | techniques by insurance companies |
| Schaumburg | | on other companies, plans, and rates | | to maximize interest earnings on |
| Phoenix | | that are available to them; ones that | | premiums. |
| Monroe | | could afford them significant savings | | |
| Gainesville | | on their auto insurance. | | Retail Credit Company: The former |
| Hartford | | | | name of Equifax, a credit reporting |
| Stamford | | Everyone has different needs, and | | organization. See Equifax. |
| Frederick | | not one size fits all when it comes to | | |
| Santa Monica | | term life insurance. While it may make | | American Risk and Insurance |
| Gaithersburg | | sense for people in their 30s and 40s | | Association: An association of |
| Troy | | to secure a 20-year term length, a | | insurance educators and others |
| Venice | | 10-year term might be more | | interested in insurance study and |
| Boca Raton | | appropriate for someone nearing | | research. |
| Reno | | retirement. | | |
| Bloomington | | | | Deficit Carried Forward: The transfer |
| Jacksonville | | Healthy people have the best | | of a debit balance from one |
| Longwood | | mortality risks and thus are much | | accounting period to another. |
| San Bernardino | | cheaper for companies to insure. This | | |
| Gulfport | | translates into lower rates for the | | Preferred Risk: Any risk considered |
| Bloomington | | Super Preferred customer than | | to be better than the standard risk on |
| Athens | | someone with higher risk factors such | | which the premium rate was |
| Santa Barbara | | as a heart condition, cancer or | | calculated. |
| Billings | | diabetes. Conversely, if you were | | |
| Chandler | | unhealthy when you acquired your | | Legislative Risk: A risk faced by |
| Chula Vista | | policy, and your health has now | | investors whereby changes in tax |
| Chattanooga | | improved, it might be time to shop for | | laws can result in adverse effects on |
| Metairie | | a new policy, as your rates are likely | | the individual's investment results. |
| Houston | | to be lower. | | |
