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| Riverside | | Everyone has different needs, and | | New For Old: Replacing old |
| Tuscaloosa | | not one size fits all when it comes to | | damaged parts or equipment with |
| Huntington | | term life insurance. While it may make | | new ones rather than repairing them. |
| Savannah | | sense for people in their 30s and 40s | | |
| Mesquite | | to secure a 20-year term length, a | | Gross Premium: The net premium |
| Stockton | | 10-year term might be more | | plus operating expenses, |
| Denver | | appropriate for someone nearing | | commissions and other expenses. |
| Duluth | | retirement. | | |
| Roanoke | | | | Agency Contract (or Agreement): The |
| Long Beach | | The quickest and easiest way to | | document which establishes the legal |
| Berkeley | | shop for new insurance is by | | relationship between an agent and an |
| Clearwater | | comparing rates at InsWebs online | | insurer. |
| Ogden | | marketplace. If you do it the | | |
| Fairfax | | old-fashioned way (by calling or | | Captive Agent: One who sells |
| Albuquerque | | visiting multiple agents or insurance | | insurance for only one company as |
| Milwaukee | | companies) it could take up a huge | | opposed to an agent who represents |
| Wichita | | chunk of your time, which no one | | several companies. |
| Louisville | | wants or needs. By completing | | |
| Saginaw | | InsWebs online application, you will | | Retrospective Premium: The final |
| Florence | | have rates to compare to your old | | premium in a retrospective rating |
| Winter Park | | ones within minutes! | | plan. See Retrospective Rating. |
