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| Minneapolis | | While some companies raise their | | Earned Income: The money |
| Pasadena | | prices based on your actual age, | | individuals earn as a result of working |
| Lake Charles | | most companies increase the price of | | at some job or occupation for which |
| Worcester | | their policies six months before your | | they are paid a salary. |
| Malden | | birthday. Its a term called Age | | |
| Mobile | | Nearest in the industry, and that | | Provisions: Statements contained in |
| Hot Springs | | half-year price increase could really | | an insurance policy which explain the |
| Toledo | | add up over a 20-year term policy. As | | benefits, conditions and other |
| Detroit | | above, the quicker you purchase your | | features of the insurance contract. |
| Gaithersburg | | policy the better. | | |
| Overland Park | | | | Independent Agent: An agent |
| Minneapolis | | At InsWeb, you can compare free | | operating as an independent |
| Fort Worth | | online insurance quotes from many of | | contractor under the independent |
| Washington | | the nations leading insurance | | agency system. |
| Melbourne | | companies. | | |
| Newburgh | | | | Level Commission System: A system |
| Chattanooga | | Individuals who have 30-year | | of commissions in which the first year |
| Duluth | | mortgages might want to consider a | | and all renewal commissions are the |
| Venice | | 30-year term to ensure that the house | | same percentage of the premium. |
| Lakewood | | is protected throughout the period of | | |
| Lima | | the loan. | | Authorized Insurer: An insurer |
| Providence | | | | authorized by the state to transact |
| Mobile | | The quickest and easiest way to | | business in that state for specific |
| Lowell | | shop for new insurance is by | | types of insurance. |
| Tacoma | | comparing rates at InsWebs online | | |
| Lexington | | marketplace. If you do it the | | Agent's Qualification Law: Education, |
| Norfolk | | old-fashioned way (by calling or | | experience, and other requirements |
| Valdosta | | visiting multiple agents or insurance | | imposed by the state upon persons |
| Hendersonville | | companies) it could take up a huge | | desiring to be licensed as agents. |
| Thousand Oaks | | chunk of your time, which no one | | |
| Yuma | | wants or needs. By completing | | Net Retention: The amount of |
| Jersey City | | InsWebs online application, you will | | insurance that a ceding company |
| Rochester | | have rates to compare to your old | | keeps for its own account and does |
| Slidell | | ones within minutes! | | not reinsure. |
