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| Whittier | | The quickest and easiest way to | | Net Retention: The amount of |
| Sarasota | | shop for new insurance is by | | insurance that a ceding company |
| Billings | | comparing rates at InsWebs online | | keeps for its own account and does |
| Louisville | | marketplace. If you do it the | | not reinsure. |
| Sumter | | old-fashioned way (by calling or | | |
| Cookeville | | visiting multiple agents or insurance | | Insolvent Insurer: An insurer which is |
| Hemet | | companies) it could take up a huge | | unable to meet its financial |
| Midland | | chunk of your time, which no one | | obligations. |
| Alpharetta | | wants or needs. By completing | | |
| Garland | | InsWebs online application, you will | | Liabilities: Money owed or expected |
| Fredericksburg | | have rates to compare to your old | | to be owed. Insurance company |
| Longwood | | ones within minutes! | | financial statements, for instance, |
| Toledo | | | | show assets and liabilities. |
| Berkeley | | Life insurance, specifically Term Life, | | |
| New York | | is arguably one of the best values in | | Effective Date: The date on which the |
| Waco | | the entire financial services arena. | | protection of an insurance policy or |
| Atlanta | | Where else can you go and get | | bond goes into effect. |
| Miami | | hundreds of thousands of dollars in | | |
| Erie | | protection for literally pennies per | | Building Code: This refers to |
| Naperville | | day? Rates for Term Life insurance | | municipal or other governmental |
| Hattiesburg | | remain at all-time lows, and now is the | | ordinances regulating the type of |
| Odessa | | time to lock in the best prices. | | construction of buildings within its |
| Fort Myers | | | | jurisdiction. |
| Longwood | | Everyone has different needs, and | | |
| Anchorage | | not one size fits all when it comes to | | Tabular Plan: A retrospective rating |
| Columbus | | term life insurance. While it may make | | plan, which uses tables to furnish the |
| Reno | | sense for people in their 30s and 40s | | various values for the rating formula. |
| Clearwater | | to secure a 20-year term length, a | | |
| Johnstown | | 10-year term might be more | | Divided Cover: The placing of |
| Glendale | | appropriate for someone nearing | | insurance on a given subject or |
| Belleville | | retirement. | | object with more than one insurer. |
