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| Fort Lauderdale | | Individuals who have 30-year | | Liquidity: The ability of an insurer to |
| Pensacola | | mortgages might want to consider a | | convert its assets into cash to pay |
| Stamford | | 30-year term to ensure that the house | | claims if necessary. |
| New Port Richey | | is protected throughout the period of | | |
| Santa Clara | | the loan. | | Gross Line: The total limit accepted |
| Lexington | | | | by an insurer on an individual risk, |
| New Port Richey | | Healthy people have the best | | including the amount to be reinsured. |
| Longmont | | mortality risks and thus are much | | |
| Anderson | | cheaper for companies to insure. This | | Domestic Insurer (or Company): An |
| Youngstown | | translates into lower rates for the | | insurer formed under the laws of the |
| Santa Clara | | Super Preferred customer than | | state in which the insurance is written. |
| Houma | | someone with higher risk factors such | | |
| Fresno | | as a heart condition, cancer or | | Endorsement: A written or printed form |
| Sacramento | | diabetes. Conversely, if you were | | attached to the policy which alters |
| Buffalo | | unhealthy when you acquired your | | provisions of the contract. |
| Evanston | | policy, and your health has now | | |
| Union | | improved, it might be time to shop for | | Independent Agent: An agent |
| Grand Prairie | | a new policy, as your rates are likely | | operating as an independent |
| Lansing | | to be lower. | | contractor under the independent |
| Palm Harbor | | | | agency system. |
| Buffalo | | Shopping around is the best way to | | |
| Oxnard | | save money on your insurance. | | Legislative Risk: A risk faced by |
| Newport News | | | | investors whereby changes in tax |
| Columbus | | The quickest and easiest way to | | laws can result in adverse effects on |
| Bronx | | shop for new insurance is by | | the individual's investment results. |
| Denton | | comparing rates at InsWebs online | | |
| Las Cruces | | marketplace. If you do it the | | Insurance to Value: Insurance written |
| Glendale | | old-fashioned way (by calling or | | in an amount approximating the value |
| Lancaster | | visiting multiple agents or insurance | | of the property insured. |
| Muncie | | companies) it could take up a huge | | |
| Frederick | | chunk of your time, which no one | | Multi-Peril Policies: Policies which |
| Johnstown | | wants or needs. By completing | | cover a number of perils, such as fire, |
| Edison | | InsWebs online application, you will | | burglary, and liability, in a single |
| Beaumont | | have rates to compare to your old | | contract. |
| Carlsbad | | ones within minutes! | | |
