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| Newburgh | | While some companies raise their | | Professional Insurance Agents |
| Tulsa | | prices based on your actual age, | | Association: A trade association of |
| El Paso | | most companies increase the price of | | mutual insurance agents. |
| Pensacola | | their policies six months before your | | |
| Baton Rouge | | birthday. Its a term called Age | | Partnership Entity: The partnership |
| Cambridge | | Nearest in the industry, and that | | considered as an entity and not in |
| Lakewood | | half-year price increase could really | | terms of its individual part-owners. |
| Delray Beach | | add up over a 20-year term policy. As | | |
| Hendersonville | | above, the quicker you purchase your | | Claim Expense: The expense of |
| Anderson | | policy the better. | | adjusting a claim, such as |
| Salt Lake City | | | | investigation and attorneys' fees. It |
| Birmingham | | The quickest and easiest way to | | does not include the cost of the claim |
| Naperville | | shop for new insurance is by | | itself. |
| Chicago | | comparing rates at InsWebs online | | |
| Anderson | | marketplace. If you do it the | | Stock Option Plan: Surviving |
| Costa Mesa | | old-fashioned way (by calling or | | stockholders have the option to |
| Nashville | | visiting multiple agents or insurance | | purchase or not purchase the shares |
| Englewood | | companies) it could take up a huge | | of a deceased stockholder. |
| Jackson | | chunk of your time, which no one | | |
| Rapid City | | wants or needs. By completing | | Equity: The money value of an |
| Montgomery | | InsWebs online application, you will | | insurance company that is over and |
| Colorado Springs | | have rates to compare to your old | | above its liabilities. Liabilities include |
| Pittsburgh | | ones within minutes! | | almost all of its reserves. |
