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| Overland Park | | The best time to switch policies is | | Cash Flow Underwriting: The use of |
| Columbus | | within one month of receiving your | | rating and premium collection |
| Longmont | | policy renewal from your current | | techniques by insurance companies |
| Edmond | | insurer. You can typically cancel your | | to maximize interest earnings on |
| Salt Lake City | | policy without any fees or penalties if | | premiums. |
| Macon | | you act within this time period. | | |
| Santa Barbara | | | | Convention Values: Values assigned |
| Jackson | | Everyone has different needs, and | | to insurers' assets in the convention |
| Fort Wayne | | not one size fits all when it comes to | | blank. |
| Miami | | term life insurance. While it may make | | |
| Sumter | | sense for people in their 30s and 40s | | Broker-Agent: One acting as an agent |
| Huntington | | to secure a 20-year term length, a | | of one or more insurers and as a |
| Durham | | 10-year term might be more | | broker in dealing with one or more |
| Daytona Beach | | appropriate for someone nearing | | other insurers. |
| Mobile | | retirement. | | |
| Albuquerque | | | | Indemnity: Restoration to the victim of |
| Indianapolis | | At InsWeb, you can compare free | | a loss by payment, repair, or |
| Harlingen | | online insurance quotes from many of | | replacement. |
| Wichita | | the nations leading insurance | | |
| Columbia | | companies. | | Professional Insurance Agents |
| Fayetteville | | | | Association: A trade association of |
| Savannah | | We offer quotes for auto insurance, | | mutual insurance agents. |
| Virginia Beach | | life insurance, homeowners | | |
| Monroe | | insurance, health insurance, term life | | Earned Income: The money |
| Kansas City | | insurance and more. | | individuals earn as a result of working |
| Arlington | | | | at some job or occupation for which |
| Killeen | | Healthy people have the best | | they are paid a salary. |
| Aurora | | mortality risks and thus are much | | |
| Long Beach | | cheaper for companies to insure. This | | Inspection: Independent checking on |
| Huntington | | translates into lower rates for the | | facts about an applicant, |
| Augusta | | Super Preferred customer than | | policyholder, or claimant, usually by a |
| Mobile | | someone with higher risk factors such | | commercial inspection agency. |
| Portland | | as a heart condition, cancer or | | |
| Rockford | | diabetes. Conversely, if you were | | Expense Allowance: A compensation |
| Cypress | | unhealthy when you acquired your | | paid to an insurance agent in excess |
| Clearwater | | policy, and your health has now | | of prescribed commissions. |
| Amarillo | | improved, it might be time to shop for | | |
| Albuquerque | | a new policy, as your rates are likely | | |
| Fullerton | | to be lower. | | |
