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| Edison | | At InsWeb, you can compare free | | Mutualization: The process of |
| Joliet | | online insurance quotes from many of | | converting a stock insurer to a mutual |
| Memphis | | the nations leading insurance | | insurer, accomplished by having the |
| Manchester | | companies. | | insurer buy stock and retire it. |
| Chicago | | | | |
| Melbourne | | Shopping around is the best way to | | Brokerage Business: Business |
| Oceanside | | save money on your insurance. | | offered to an insurer by a broker. This |
| Fresno | | | | is sometimes called excess or |
| Lakewood | | Why not take advantage of current | | surplus business. |
| Tampa | | low prices? Many auto insurance | | |
| Tampa | | consumers are becoming educated | | Net Retention: The amount of |
| Albany | | on other companies, plans, and rates | | insurance that a ceding company |
| Hampton | | that are available to them; ones that | | keeps for its own account and does |
| Peoria | | could afford them significant savings | | not reinsure. |
| Stockton | | on their auto insurance. | | |
| Alexandria | | | | Tariff Rate: A rate established by a |
| Fall River | | Everyone has different needs, and | | rating organization, which comes from |
| Rochester | | not one size fits all when it comes to | | the tables, schedules and rules found |
| Beaumont | | term life insurance. While it may make | | in the tariff of rates. |
| Westbury | | sense for people in their 30s and 40s | | |
| Rapid City | | to secure a 20-year term length, a | | Other Insurance: The existence of |
| Birmingham | | 10-year term might be more | | other contracts covering the same |
| Dayton | | appropriate for someone nearing | | interest and perils. |
| Costa Mesa | | retirement. | | |
| Alexandria | | | | Level Commission System: A system |
| Clearwater | | Individuals who have 30-year | | of commissions in which the first year |
| Charleston | | mortgages might want to consider a | | and all renewal commissions are the |
| Lancaster | | 30-year term to ensure that the house | | same percentage of the premium. |
| Melbourne | | is protected throughout the period of | | |
| Newport News | | the loan. | | Provisional Rate: Tentative rates, |
| Biloxi | | | | premiums or commissions that are |
| Providence | | We offer quotes for auto insurance, | | subject to subsequent adjustment. |
| Inglewood | | life insurance, homeowners | | See Commission and Premium. |
| San Bernardino | | insurance, health insurance, term life | | |
| Jonesboro | | insurance and more. | | |
