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| Venice | | While some companies raise their | | Claim: A demand made by the |
| Morristown | | prices based on your actual age, | | insured, or the insured's beneficiary, |
| Gainesville | | most companies increase the price of | | for payment of the benefits provided |
| Fort Lauderdale | | their policies six months before your | | by the contract. |
| Knoxville | | birthday. Its a term called Age | | |
| Orange Park | | Nearest in the industry, and that | | Burning Ratio: The ratio of losses |
| Irving | | half-year price increase could really | | suffered to the amount of insurance in |
| Santa Rosa | | add up over a 20-year term policy. As | | effect. |
| Newark | | above, the quicker you purchase your | | |
| Sumter | | policy the better. | | Convention Values: Values assigned |
| Williamsport | | | | to insurers' assets in the convention |
| Littleton | | Shopping around is the best way to | | blank. |
| Downey | | save money on your insurance. | | |
| Lawrenceville | | | | First Party Insurance: Insurance which |
| Johnson City | | We offer quotes for auto insurance, | | applies to coverage for the insured's |
| Spartanburg | | life insurance, homeowners | | own property or person. Contrast with |
| Gaithersburg | | insurance, health insurance, term life | | Third Party Insurance. |
| Aurora | | insurance and more. | | |
| Augusta | | | | Criticism: A correction suggested by a |
| Santa Monica | | Life insurance, specifically Term Life, | | rating or auditing bureau to an insurer. |
| Wilmington | | is arguably one of the best values in | | |
| Hickory | | the entire financial services arena. | | Shock Loss: A catastrophic loss so |
| Riverside | | Where else can you go and get | | large that it has a material effect on |
| Lakeland | | hundreds of thousands of dollars in | | the underwriting results of a company. |
| Downey | | protection for literally pennies per | | |
| Fremont | | day? Rates for Term Life insurance | | Retrospective Premium: The final |
| Kalamazoo | | remain at all-time lows, and now is the | | premium in a retrospective rating |
| Schenectady | | time to lock in the best prices. | | plan. See Retrospective Rating. |
