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| Anderson | | Individuals who have 30-year | | We/Us/Our: These words are used to |
| Rockville | | mortgages might want to consider a | | refer to the insurer in many of the |
| Edmond | | 30-year term to ensure that the house | | modernized/personalized policy |
| Baltimore | | is protected throughout the period of | | forms recently introduced. |
| Odessa | | the loan. | | |
| Sunnyvale | | | | Nonadmitted Insurer: An insurer not |
| Morristown | | The quickest and easiest way to | | licensed to do business in the |
| Quincy | | shop for new insurance is by | | jurisdiction in question. Same as |
| Clarksville | | comparing rates at InsWebs online | | Unauthorized Insurer and Unlicensed |
| Killeen | | marketplace. If you do it the | | Insurer. |
| Midland | | old-fashioned way (by calling or | | |
| Washington | | visiting multiple agents or insurance | | Policy Period (or Term): The period |
| Rome | | companies) it could take up a huge | | during which the policy contract |
| Pompano Beach | | chunk of your time, which no one | | affords protection, e.g., six months or |
| Fayetteville | | wants or needs. By completing | | one or three years. |
| Elkhart | | InsWebs online application, you will | | |
| Santa Monica | | have rates to compare to your old | | Independent Agent: An agent |
| Irving | | ones within minutes! | | operating as an independent |
| Columbia | | | | contractor under the independent |
| Escondido | | Make sure you have a new policy in | | agency system. |
| New York | | place before you cancel your old one | | |
| Hollywood | | to avoid a lapse in coverage. This will | | Preferred Risk: Any risk considered |
| Burbank | | also prevent having to figure out the | | to be better than the standard risk on |
| Davenport | | amount of any unused premium that is | | which the premium rate was |
| New Orleans | | due to you from your old insurance | | calculated. |
| Phoenix | | company, or having to spar with your | | |
| Wilmington | | agent about exactly when your policy | | Multi-Peril Policies: Policies which |
| Saginaw | | was cancelled and how much they | | cover a number of perils, such as fire, |
| Hollywood | | owe you. | | burglary, and liability, in a single |
| Hollywood | | | | contract. |
| Woodbridge | | We offer quotes for auto insurance, | | |
| Seattle | | life insurance, homeowners | | Lloyd's Broker: A person who has the |
| Stockton | | insurance, health insurance, term life | | authority to negotiate insurance |
| Gaithersburg | | insurance and more. | | contracts with the underwriters on the |
| Clarksville | | | | floor at Lloyd's. |
