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| Stamford | | The quickest and easiest way to | | Single Limit: Any insurance coverage |
| Schenectady | | shop for new insurance is by | | which is expressed as a single |
| Honolulu | | comparing rates at InsWebs online | | amount of insurance, or a single limit |
| San Diego | | marketplace. If you do it the | | of liability. Contrast with Split Limit. |
| Bradenton | | old-fashioned way (by calling or | | |
| Modesto | | visiting multiple agents or insurance | | Net Interest Earned: The average |
| Hendersonville | | companies) it could take up a huge | | interest earned by an insurer on its |
| Newport Beach | | chunk of your time, which no one | | investments after investment expense |
| Montgomery | | wants or needs. By completing | | but before federal income taxes. |
| Racine | | InsWebs online application, you will | | |
| Rapid City | | have rates to compare to your old | | Gross Line: The total limit accepted |
| Fresno | | ones within minutes! | | by an insurer on an individual risk, |
| Wichita | | | | including the amount to be reinsured. |
| Arlington | | Healthy people have the best | | |
| Stockton | | mortality risks and thus are much | | Gross Premium: The net premium |
| Lincoln | | cheaper for companies to insure. This | | plus operating expenses, |
| Albany | | translates into lower rates for the | | commissions and other expenses. |
| Harlingen | | Super Preferred customer than | | |
| St. Joseph | | someone with higher risk factors such | | Liabilities: Money owed or expected |
| Daytona Beach | | as a heart condition, cancer or | | to be owed. Insurance company |
| Lawton | | diabetes. Conversely, if you were | | financial statements, for instance, |
| Chicago | | unhealthy when you acquired your | | show assets and liabilities. |
| Malden | | policy, and your health has now | | |
| Davenport | | improved, it might be time to shop for | | Adjustment Bureau: A firm organized |
| Warren | | a new policy, as your rates are likely | | to provide adjustment services to |
| Costa Mesa | | to be lower. | | insurers not wishing to create their |
| Scottsdale | | | | own claims division. |
| Lansing | | People who are trying to quit | | |
| Providence | | smoking, for example, might be best | | Malinger: To feign a disability for the |
| Fayetteville | | suited purchasing a shorter term (and | | purpose of continuing to collect |
| Harrisburg | | then replacing it with a longer term | | benefits longer than actually |
| Wilmington | | policy when they qualify for | | necessary. |
| Brooklyn | | non-tobacco prices). | | |
| Austin | | | | Insurance to Value: Insurance written |
| Stamford | | | | in an amount approximating the value |
| Chula Vista | | | | of the property insured. |
