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| Columbus | | Individuals who have 30-year | | Commercial Lines: This term is used |
| Fullerton | | mortgages might want to consider a | | to refer to insurance for businesses, |
| Charleston | | 30-year term to ensure that the house | | professionals, and commercial |
| Long Beach | | is protected throughout the period of | | establishments. |
| Charlotte | | the loan. | | |
| Lawrenceville | | | | Minimum Premium: The smallest |
| Harrisburg | | The quickest and easiest way to | | amount of premium for which an |
| New Orleans | | shop for new insurance is by | | insurer will issue coverage under a |
| Bronx | | comparing rates at InsWebs online | | given policy. |
| Akron | | marketplace. If you do it the | | |
| New Port Richey | | old-fashioned way (by calling or | | Public Adjuster: An insurance adjuster |
| Corona | | visiting multiple agents or insurance | | who represents an insured on a fee |
| Davenport | | companies) it could take up a huge | | basis in claims settlement. Contrast |
| Downey | | chunk of your time, which no one | | with Independent Adjuster. |
| Fall River | | wants or needs. By completing | | |
| Garland | | InsWebs online application, you will | | Operating Expense: The expense of |
| Miami | | have rates to compare to your old | | an insurer other than commissions |
| Bloomington | | ones within minutes! | | and taxes. Called " and Insurance |
| Troy | | | | Expense" in the convention statement |
| Chesapeake | | We offer quotes for auto insurance, | | blank. |
| Newark | | life insurance, homeowners | | |
| Henderson | | insurance, health insurance, term life | | Admitted (or Allowed) Assets: Assets |
| Toms River | | insurance and more. | | whose values are permitted by state |
| Jackson | | | | law to be included in the annual |
| Bloomington | | If you decide to cancel your policy | | statement of the insurer. |
| Newark | | (after acquiring new coverage) | | |
| Cypress | | outside of the 30-day period, you may | | Short-Term Policy: A policy written for |
| Cambridge | | have to pay a fee or penalty. | | a period of less time than is normal for |
| Sumter | | However, you may still save money | | that type of policy. |
| Phoenix | | after paying the fee if your new policy | | |
| Davenport | | affords you significant savings. So | | Underwriters Laboratories, Inc. (UL): A |
| Inglewood | | while it is best to wait until your | | testing laboratory for manufactured |
| Springfield | | receive your renewal notice, you CAN | | items to determine their safety |
| Monroe | | cancel your policy at any time. | | propensities. |
