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| Johnson City | | If you have noticed that your auto | | Provisional Rate: Tentative rates, |
| Bethlehem | | insurance rates are still increasing | | premiums or commissions that are |
| Southfield | | with each renewal, or even have not | | subject to subsequent adjustment. |
| Jacksonville | | gone down even though you have a | | See Commission and Premium. |
| Anderson | | great driving record, this lower pricing | | |
| Indianapolis | | trend makes it more important then | | Level Commission System: A system |
| Downey | | ever that you shop around for auto | | of commissions in which the first year |
| Warwick | | insurance. | | and all renewal commissions are the |
| Troy | | | | same percentage of the premium. |
| Corona | | Life insurance, specifically Term Life, | | |
| Sterling Heights | | is arguably one of the best values in | | Loss Adjustment Expense: The cost |
| Pittsburgh | | the entire financial services arena. | | of adjusting losses, excluding the |
| Phoenix | | Where else can you go and get | | amount of the loss itself. |
| Walnut Creek | | hundreds of thousands of dollars in | | |
| Columbia | | protection for literally pennies per | | Dual Life Stock Company: A stock |
| Newport Beach | | day? Rates for Term Life insurance | | Life insurer issuing both participating |
| Williamsburg | | remain at all-time lows, and now is the | | and nonparticipating policy contracts. |
| Council Bluffs | | time to lock in the best prices. | | |
| San Jose | | | | Convention Values: Values assigned |
| Lincoln | | Individuals who have 30-year | | to insurers' assets in the convention |
| Anchorage | | mortgages might want to consider a | | blank. |
| Wichita Falls | | 30-year term to ensure that the house | | |
| Allentown | | is protected throughout the period of | | Earned Income: The money |
| Madison | | the loan. | | individuals earn as a result of working |
| New Orleans | | | | at some job or occupation for which |
| Minneapolis | | We offer quotes for auto insurance, | | they are paid a salary. |
| Hendersonville | | life insurance, homeowners | | |
| Elkhart | | insurance, health insurance, term life | | Retrospective Premium: The final |
| Pasadena | | insurance and more. | | premium in a retrospective rating |
| San Jose | | | | plan. See Retrospective Rating. |
| Denver | | The quickest and easiest way to | | |
| Rockville | | shop for new insurance is by | | Theory of Probability: The |
| Dubuque | | comparing rates at InsWebs online | | mathematical principle upon which |
| Fort Worth | | marketplace. If you do it the | | insurance is based. |
| Lakewood | | old-fashioned way (by calling or | | |
| Lancaster | | visiting multiple agents or insurance | | |
| Council Bluffs | | companies) it could take up a huge | | |
| Cleveland | | chunk of your time, which no one | | |
| Chandler | | wants or needs. By completing | | |
| Yuma | | InsWebs online application, you will | | |
| Alameda | | have rates to compare to your old | | |
| Dothan | | ones within minutes! | | |
