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| Troy | | The quickest and easiest way to | | You/Your: These words are used to |
| Albuquerque | | shop for new insurance is by | | refer to the named insured in many of |
| Vancouver | | comparing rates at InsWebs online | | the modernized/personalized policy |
| Irving | | marketplace. If you do it the | | forms. |
| Huntsville | | old-fashioned way (by calling or | | |
| Durham | | visiting multiple agents or insurance | | Burning Ratio: The ratio of losses |
| Columbia | | companies) it could take up a huge | | suffered to the amount of insurance in |
| Spartanburg | | chunk of your time, which no one | | effect. |
| Reno | | wants or needs. By completing | | |
| Lowell | | InsWebs online application, you will | | Mutualization: The process of |
| New Orleans | | have rates to compare to your old | | converting a stock insurer to a mutual |
| Midland | | ones within minutes! | | insurer, accomplished by having the |
| Lima | | | | insurer buy stock and retire it. |
| Poughkeepsie | | Life insurance, specifically Term Life, | | |
| Redlands | | is arguably one of the best values in | | Policywriting Agent: An agent who has |
| Alpharetta | | the entire financial services arena. | | the authority to prepare and effect an |
| Clarksville | | Where else can you go and get | | insurer's policy. |
| Columbus | | hundreds of thousands of dollars in | | |
| Elkhart | | protection for literally pennies per | | Mandatory Valuation Reserve: A |
| Salt Lake City | | day? Rates for Term Life insurance | | reserve required by a state law to |
| Jonesboro | | remain at all-time lows, and now is the | | offset any declines in the valuation of |
| Anderson | | time to lock in the best prices. | | securities listed as admitted assets. |
