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| Williamsport | | Life insurance, specifically Term Life, | | Retrospective Premium: The final |
| Sioux Falls | | is arguably one of the best values in | | premium in a retrospective rating |
| Chula Vista | | the entire financial services arena. | | plan. See Retrospective Rating. |
| Columbus | | Where else can you go and get | | |
| Boulder | | hundreds of thousands of dollars in | | Overlapping Insurance: Coverage |
| Texarkana | | protection for literally pennies per | | from two or more policies or insurers |
| Spokane | | day? Rates for Term Life insurance | | which duplicates coverage of certain |
| Kansas City | | remain at all-time lows, and now is the | | risks. |
| Abilene | | time to lock in the best prices. | | |
| Hickory | | | | Net Retention: The amount of |
| Newark | | People who are trying to quit | | insurance that a ceding company |
| Norfolk | | smoking, for example, might be best | | keeps for its own account and does |
| Fall River | | suited purchasing a shorter term (and | | not reinsure. |
| Knoxville | | then replacing it with a longer term | | |
| Palm Harbor | | policy when they qualify for | | Valued: Relating to an agreement by |
| Metairie | | non-tobacco prices). | | an insurer to pay a specified amount |
| Kalamazoo | | | | of money to or on behalf of the |
| Santa Barbara | | If you have noticed that your auto | | insured upon occurrence of a defined |
| Des Moines | | insurance rates are still increasing | | loss. |
| Williamsport | | with each renewal, or even have not | | |
| Irving | | gone down even though you have a | | Independent Contractor: One who |
| Clearwater | | great driving record, this lower pricing | | agrees to perform according to a |
| Newport News | | trend makes it more important then | | contract and who is not an employee. |
| Buffalo | | ever that you shop around for auto | | |
| West Chester | | insurance. | | You/Your: These words are used to |
| Duluth | | | | refer to the named insured in many of |
| Lowell | | We offer quotes for auto insurance, | | the modernized/personalized policy |
| Muskegon | | life insurance, homeowners | | forms. |
| Rockford | | insurance, health insurance, term life | | |
| Oklahoma City | | insurance and more. | | Loss Adjustment Expense: The cost |
| Erie | | | | of adjusting losses, excluding the |
| Albuquerque | | The best time to switch policies is | | amount of the loss itself. |
| Davenport | | within one month of receiving your | | |
| Tampa | | policy renewal from your current | | First Party Insurance: Insurance which |
| Rochester | | insurer. You can typically cancel your | | applies to coverage for the insured's |
| Boise | | policy without any fees or penalties if | | own property or person. Contrast with |
| Chula Vista | | you act within this time period. | | Third Party Insurance. |
