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| Bellevue | | The quickest and easiest way to | | Line of Business: The classification of |
| Wichita Falls | | shop for new insurance is by | | business as utilized in the insurance |
| Rockville | | comparing rates at InsWebs online | | industry, e.g., Fire, Allied Lines and |
| Ogden | | marketplace. If you do it the | | Homeowners. |
| Clarksville | | old-fashioned way (by calling or | | |
| Charlotte | | visiting multiple agents or insurance | | Preferred Risk: Any risk considered |
| Grand Rapids | | companies) it could take up a huge | | to be better than the standard risk on |
| Huntington Beach | | chunk of your time, which no one | | which the premium rate was |
| Oklahoma City | | wants or needs. By completing | | calculated. |
| Newburgh | | InsWebs online application, you will | | |
| Lawton | | have rates to compare to your old | | Paid-In Surplus: Surplus paid in by |
| Palm Harbor | | ones within minutes! | | stockholders, as contrasted with |
| Grand Prairie | | | | surplus earned through the |
| Cedar Rapids | | Individuals who have 30-year | | operations of a business. |
| Fayetteville | | mortgages might want to consider a | | |
| St. Paul | | 30-year term to ensure that the house | | Shock Loss: A catastrophic loss so |
| Hartford | | is protected throughout the period of | | large that it has a material effect on |
| Billings | | the loan. | | the underwriting results of a company. |