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| Youngstown | | Healthy people have the best | | Sherman Antitrust Act: An antitrust law |
| Morristown | | mortality risks and thus are much | | from which insurance is exempted to |
| Grand Prairie | | cheaper for companies to insure. This | | the extent that it is regulated by state |
| Edison | | translates into lower rates for the | | law. |
| Belleville | | Super Preferred customer than | | |
| Jacksonville | | someone with higher risk factors such | | Shock Loss: A catastrophic loss so |
| Vero Beach | | as a heart condition, cancer or | | large that it has a material effect on |
| Abilene | | diabetes. Conversely, if you were | | the underwriting results of a company. |
| Philadelphia | | unhealthy when you acquired your | | |
| Athens | | policy, and your health has now | | Indemnify: To restore the victim of a |
| Texarkana | | improved, it might be time to shop for | | loss to the same position as before |
| Myrtle Beach | | a new policy, as your rates are likely | | the loss occurred. |
| Bakersfield | | to be lower. | | |
| Turlock | | | | Producer: A term applied to an agent, |
| Harrisburg | | Life insurance, specifically Term Life, | | solicitor or other person who sells |
| Columbus | | is arguably one of the best values in | | insurance. |
| White Plains | | the entire financial services arena. | | |
| Bethlehem | | Where else can you go and get | | Equity: The money value of an |
| White Plains | | hundreds of thousands of dollars in | | insurance company that is over and |
| Mountain View | | protection for literally pennies per | | above its liabilities. Liabilities include |
| Los Angeles | | day? Rates for Term Life insurance | | almost all of its reserves. |
| Boulder | | remain at all-time lows, and now is the | | |
| Owensboro | | time to lock in the best prices. | | Deficit Carried Forward: The transfer |
| Syracuse | | | | of a debit balance from one |
| Anderson | | The quickest and easiest way to | | accounting period to another. |
| Evansville | | shop for new insurance is by | | |
| Longwood | | comparing rates at InsWebs online | | Coding: A method of putting |
| Evanston | | marketplace. If you do it the | | information into a numerical form for |
| Englewood | | old-fashioned way (by calling or | | statistical use. Most information on |
| Council Bluffs | | visiting multiple agents or insurance | | policies is coded and then put into |
| Rockville | | companies) it could take up a huge | | reports. |
| Reading | | chunk of your time, which no one | | |
| Reno | | wants or needs. By completing | | Theory of Probability: The |
| Longwood | | InsWebs online application, you will | | mathematical principle upon which |
| Duluth | | have rates to compare to your old | | insurance is based. |
| Charleston | | ones within minutes! | | |
