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| Colorado Springs | | Why not take advantage of current | | You/Your: These words are used to |
| Springfield | | low prices? Many auto insurance | | refer to the named insured in many of |
| Quincy | | consumers are becoming educated | | the modernized/personalized policy |
| New Orleans | | on other companies, plans, and rates | | forms. |
| Fremont | | that are available to them; ones that | | |
| Schaumburg | | could afford them significant savings | | Authorized Insurer: An insurer |
| Thousand Oaks | | on their auto insurance. | | authorized by the state to transact |
| Spartanburg | | | | business in that state for specific |
| York | | Shopping around is the best way to | | types of insurance. |
| Costa Mesa | | save money on your insurance. | | |
| Boulder | | | | Net Retention: The amount of |
| Gainesville | | At InsWeb, you can compare free | | insurance that a ceding company |
| Berkeley | | online insurance quotes from many of | | keeps for its own account and does |
| Yuma | | the nations leading insurance | | not reinsure. |
| Staten Island | | companies. | | |
| Gaithersburg | | | | Mutualization: The process of |
| Bethlehem | | Life insurance, specifically Term Life, | | converting a stock insurer to a mutual |
| San Diego | | is arguably one of the best values in | | insurer, accomplished by having the |
| Union | | the entire financial services arena. | | insurer buy stock and retire it. |
| Staten Island | | Where else can you go and get | | |
| St. Joseph | | hundreds of thousands of dollars in | | Claim: A demand made by the |
| Portsmouth | | protection for literally pennies per | | insured, or the insured's beneficiary, |
| St. Paul | | day? Rates for Term Life insurance | | for payment of the benefits provided |
| Woodbridge | | remain at all-time lows, and now is the | | by the contract. |
| New Port Richey | | time to lock in the best prices. | | |
| Henderson | | | | Deflation: An economic period |
| Wichita | | The best time to switch policies is | | characterized by falling prices, high |
| Harrisburg | | within one month of receiving your | | unemployment and a generally |
| Cincinnati | | policy renewal from your current | | sluggish or slow economy. |
| Bethlehem | | insurer. You can typically cancel your | | |
| Mansfield | | policy without any fees or penalties if | | Calendar Year Experience: This |
| Greenville | | you act within this time period. | | measures the premiums and losses |
| North Hollywood | | | | entered on accounting records during |
| Jonesboro | | Everyone has different needs, and | | the 12-month calendar. |
| Newark | | not one size fits all when it comes to | | |
| Peoria | | term life insurance. While it may make | | |
| Lansing | | sense for people in their 30s and 40s | | |
| Springfield | | to secure a 20-year term length, a | | |
| Anderson | | 10-year term might be more | | |
| Rockville | | appropriate for someone nearing | | |
| Lancaster | | retirement. | | |
