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| Florence | | Life insurance, specifically Term Life, | | Claim: A demand made by the |
| Charlotte | | is arguably one of the best values in | | insured, or the insured's beneficiary, |
| Lake Charles | | the entire financial services arena. | | for payment of the benefits provided |
| Muncie | | Where else can you go and get | | by the contract. |
| Duluth | | hundreds of thousands of dollars in | | |
| Williamsport | | protection for literally pennies per | | Notice To Company: Written notice to |
| Lafayette | | day? Rates for Term Life insurance | | an insurer of the occurrence of an |
| Johnson City | | remain at all-time lows, and now is the | | event which a claim is to be based. |
| Bethlehem | | time to lock in the best prices. | | |
| Hattiesburg | | | | Lapsed Policy: One which has been |
| Lancaster | | Healthy people have the best | | allowed to expire because of |
| Bethlehem | | mortality risks and thus are much | | nonpayment of premiums. |
| Phoenix | | cheaper for companies to insure. This | | |
| Kingsport | | translates into lower rates for the | | Insolvent Insurer: An insurer which is |
| Indianapolis | | Super Preferred customer than | | unable to meet its financial |
| Zanesville | | someone with higher risk factors such | | obligations. |
| Harrisburg | | as a heart condition, cancer or | | |
| Anchorage | | diabetes. Conversely, if you were | | Monoline Policy: Any insurance |
| Morristown | | unhealthy when you acquired your | | coverage written as a single line |
| San Antonio | | policy, and your health has now | | policy. Contrast with Multiple Line or |
| Hendersonville | | improved, it might be time to shop for | | Package policy. |
| Fairfax | | a new policy, as your rates are likely | | |
| Stamford | | to be lower. | | Line of Business: The classification of |
| Seattle | | | | business as utilized in the insurance |
| Waco | | We offer quotes for auto insurance, | | industry, e.g., Fire, Allied Lines and |
| Myrtle Beach | | life insurance, homeowners | | Homeowners. |
| Abilene | | insurance, health insurance, term life | | |
| Louisville | | insurance and more. | | Fictitious Groups: Groups formed |
| Carlsbad | | | | primarily for the purpose of buying |
| Detroit | | The quickest and easiest way to | | insurance. Under the law such groups |
| Troy | | shop for new insurance is by | | may not be underwritten. |
| Schaumburg | | comparing rates at InsWebs online | | |
| Naples | | marketplace. If you do it the | | Equity: The money value of an |
| Zanesville | | old-fashioned way (by calling or | | insurance company that is over and |
| Dearborn | | visiting multiple agents or insurance | | above its liabilities. Liabilities include |
| Houma | | companies) it could take up a huge | | almost all of its reserves. |
| Portsmouth | | chunk of your time, which no one | | |
| Modesto | | wants or needs. By completing | | |
| Phoenix | | InsWebs online application, you will | | |
| Minneapolis | | have rates to compare to your old | | |
| Springfield | | ones within minutes! | | |
