| | | | |
|
| Stuart | | Healthy people have the best | | Agency Company: An insurance |
| Wichita | | mortality risks and thus are much | | company that produces business |
| Morristown | | cheaper for companies to insure. This | | through an agency network. Contrast |
| Lake Worth | | translates into lower rates for the | | with Direct Writer. |
| Hot Springs | | Super Preferred customer than | | |
| Garland | | someone with higher risk factors such | | Gross Line: The total limit accepted |
| Newport News | | as a heart condition, cancer or | | by an insurer on an individual risk, |
| Washington | | diabetes. Conversely, if you were | | including the amount to be reinsured. |
| White Plains | | unhealthy when you acquired your | | |
| Fall River | | policy, and your health has now | | License: A certification of authority for |
| Wichita Falls | | improved, it might be time to shop for | | an agent or insurer to operate, given |
| Dubuque | | a new policy, as your rates are likely | | by the appropriate jurisdiction. |
| Vineland | | to be lower. | | |
| Florissant | | | | Renewal: The reestablishment of the |
| Jackson | | Life insurance, specifically Term Life, | | in-force status of a policy, the term of |
| Louisville | | is arguably one of the best values in | | which has expired or will expire |
| Hollywood | | the entire financial services arena. | | unless it is renewed. |
| Littleton | | Where else can you go and get | | |
| Durham | | hundreds of thousands of dollars in | | Underwriters Laboratories, Inc. (UL): A |
| Newport Beach | | protection for literally pennies per | | testing laboratory for manufactured |
| Evansville | | day? Rates for Term Life insurance | | items to determine their safety |
| Gaithersburg | | remain at all-time lows, and now is the | | propensities. |
| Orange Park | | time to lock in the best prices. | | |
| Seattle | | | | Short-Term Policy: A policy written for |
| Muncie | | The quickest and easiest way to | | a period of less time than is normal for |
| Ogden | | shop for new insurance is by | | that type of policy. |
| Springfield | | comparing rates at InsWebs online | | |
| Poughkeepsie | | marketplace. If you do it the | | Effective Date: The date on which the |
| Elkhart | | old-fashioned way (by calling or | | protection of an insurance policy or |
| Des Moines | | visiting multiple agents or insurance | | bond goes into effect. |
| Goldsboro | | companies) it could take up a huge | | |
| Long Beach | | chunk of your time, which no one | | Accident Year Experience: Measures |
| Cranston | | wants or needs. By completing | | premiums and losses relating to |
| Scranton | | InsWebs online application, you will | | accidents which occurred during a |
| Grand Rapids | | have rates to compare to your old | | 12-month period. |
| High Point | | ones within minutes! | | |
