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| Columbia | | Everyone has different needs, and | | Losses Incurred: The total losses, |
| North Hollywood | | not one size fits all when it comes to | | whether paid or not, sustained by an |
| Fall River | | term life insurance. While it may make | | insurer during a given period, e.g., 12 |
| Manchester | | sense for people in their 30s and 40s | | months. |
| Newport Beach | | to secure a 20-year term length, a | | |
| Denton | | 10-year term might be more | | Claim Expense: The expense of |
| Flushing | | appropriate for someone nearing | | adjusting a claim, such as |
| Venice | | retirement. | | investigation and attorneys' fees. It |
| Newburgh | | | | does not include the cost of the claim |
| Mesquite | | If you have noticed that your auto | | itself. |
| San Jose | | insurance rates are still increasing | | |
| Houston | | with each renewal, or even have not | | Short Rate Premium: The premium |
| Winter Park | | gone down even though you have a | | required for issuing a policy for a |
| Syracuse | | great driving record, this lower pricing | | period less than its normal term. |
| Longwood | | trend makes it more important then | | |
| Buffalo | | ever that you shop around for auto | | Cash Flow Underwriting: The use of |
| Henderson | | insurance. | | rating and premium collection |
| Quincy | | | | techniques by insurance companies |
| Vineland | | Why not take advantage of current | | to maximize interest earnings on |
| Edmond | | low prices? Many auto insurance | | premiums. |
| Sioux Falls | | consumers are becoming educated | | |
| Lawton | | on other companies, plans, and rates | | Countersignature: The signature of a |
| Evanston | | that are available to them; ones that | | licensed agent or representative on a |
| Boynton Beach | | could afford them significant savings | | policy. |
| Fairfax | | on their auto insurance. | | |
| Roanoke | | | | Commercial Lines: This term is used |
| Council Bluffs | | At InsWeb, you can compare free | | to refer to insurance for businesses, |
| Lorain | | online insurance quotes from many of | | professionals, and commercial |
| Tempe | | the nations leading insurance | | establishments. |
| Gaithersburg | | companies. | | |
| Savannah | | | | Notice To Company: Written notice to |
| West Chester | | Individuals who have 30-year | | an insurer of the occurrence of an |
| Cambridge | | mortgages might want to consider a | | event which a claim is to be based. |
| Orlando | | 30-year term to ensure that the house | | |
| Sioux Falls | | is protected throughout the period of | | |
| Slidell | | the loan. | | |
