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| Denton | | The quickest and easiest way to | | Agency: An insurance sales office |
| Santa Barbara | | shop for new insurance is by | | which is directed by a agent, |
| Schaumburg | | comparing rates at InsWebs online | | manager, independent agent, or |
| Jonesboro | | marketplace. If you do it the | | company manager. |
| Redlands | | old-fashioned way (by calling or | | |
| Tampa | | visiting multiple agents or insurance | | Preferred Risk: Any risk considered |
| Grand Junction | | companies) it could take up a huge | | to be better than the standard risk on |
| Jackson | | chunk of your time, which no one | | which the premium rate was |
| Portsmouth | | wants or needs. By completing | | calculated. |
| Newport Beach | | InsWebs online application, you will | | |
| Longmont | | have rates to compare to your old | | Submitted Business: Applications for |
| Indianapolis | | ones within minutes! | | insurance submitted to an insurer but |
| San Jose | | | | not yet acted upon by it. |
| Cherry Hill | | Why not take advantage of current | | |
| Warwick | | low prices? Many auto insurance | | Countersignature: The signature of a |
| Grand Prairie | | consumers are becoming educated | | licensed agent or representative on a |
| Grand Prairie | | on other companies, plans, and rates | | policy. |
| Union | | that are available to them; ones that | | |
| Allentown | | could afford them significant savings | | Legislative Risk: A risk faced by |
| Cape Coral | | on their auto insurance. | | investors whereby changes in tax |
| Wilmington | | | | laws can result in adverse effects on |
| Franklin | | While some companies raise their | | the individual's investment results. |
| Decatur | | prices based on your actual age, | | |
| Duluth | | most companies increase the price of | | Fictitious Groups: Groups formed |
| Orange | | their policies six months before your | | primarily for the purpose of buying |
| Lancaster | | birthday. Its a term called Age | | insurance. Under the law such groups |
| Inglewood | | Nearest in the industry, and that | | may not be underwritten. |
| Jackson | | half-year price increase could really | | |
| Baton Rouge | | add up over a 20-year term policy. As | | Sherman Antitrust Act: An antitrust law |
| Birmingham | | above, the quicker you purchase your | | from which insurance is exempted to |
| Washington | | policy the better. | | the extent that it is regulated by state |
| Houma | | | | law. |
| Roanoke | | We offer quotes for auto insurance, | | |
| Odessa | | life insurance, homeowners | | Net Retention: The amount of |
| Tulsa | | insurance, health insurance, term life | | insurance that a ceding company |
| St. Paul | | insurance and more. | | keeps for its own account and does |
| Newport News | | | | not reinsure. |
