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| Salem | | At InsWeb, you can compare free | | Incurred Expense: Expenses not yet |
| Rochester | | online insurance quotes from many of | | paid. Can also include paid |
| Inglewood | | the nations leading insurance | | expenses in some accounting |
| Scranton | | companies. | | systems. |
| Lorain | | | | |
| Pembroke Pines | | Healthy people have the best | | Valuation Clause: A clause stating the |
| Union | | mortality risks and thus are much | | value of items for insurance |
| Durham | | cheaper for companies to insure. This | | purposes, making it a valued policy. |
| Amarillo | | translates into lower rates for the | | |
| Durham | | Super Preferred customer than | | New For Old: Replacing old |
| Lawrenceville | | someone with higher risk factors such | | damaged parts or equipment with |
| Walnut Creek | | as a heart condition, cancer or | | new ones rather than repairing them. |
| Marietta | | diabetes. Conversely, if you were | | |
| Portland | | unhealthy when you acquired your | | Independent Contractor: One who |
| Joliet | | policy, and your health has now | | agrees to perform according to a |
| Palm Desert | | improved, it might be time to shop for | | contract and who is not an employee. |
| Oklahoma City | | a new policy, as your rates are likely | | |
| Houma | | to be lower. | | Agency Contract (or Agreement): The |
| Santa Rosa | | | | document which establishes the legal |
| Fresno | | Individuals who have 30-year | | relationship between an agent and an |
| Ogden | | mortgages might want to consider a | | insurer. |
| El Paso | | 30-year term to ensure that the house | | |
| Boise | | is protected throughout the period of | | Society of Insurance Research: An |
| Raleigh | | the loan. | | organization which encourages |
| Ventura | | | | insurance research and promotes the |
| Gulfport | | The quickest and easiest way to | | exchange of ideas and methods of |
| Stockbridge | | shop for new insurance is by | | research. |
| Lakeland | | comparing rates at InsWebs online | | |
| Mansfield | | marketplace. If you do it the | | Brokerage Business: Business |
| Detroit | | old-fashioned way (by calling or | | offered to an insurer by a broker. This |
| Vineland | | visiting multiple agents or insurance | | is sometimes called excess or |
| Wilmington | | companies) it could take up a huge | | surplus business. |
| Charlotte | | chunk of your time, which no one | | |
| Hampton | | wants or needs. By completing | | Examiner: An employee assigned by |
| Rochester | | InsWebs online application, you will | | the state insurance department to |
| Amarillo | | have rates to compare to your old | | audit insurers' records. |
| Westbury | | ones within minutes! | | |
