| | | | |
|
| Las Vegas | | Individuals who have 30-year | | Captive Agent: One who sells |
| Columbus | | mortgages might want to consider a | | insurance for only one company as |
| Schaumburg | | 30-year term to ensure that the house | | opposed to an agent who represents |
| Palm Harbor | | is protected throughout the period of | | several companies. |
| Arlington | | the loan. | | |
| Nashville | | | | Cash Flow Underwriting: The use of |
| West Chester | | Healthy people have the best | | rating and premium collection |
| Alexandria | | mortality risks and thus are much | | techniques by insurance companies |
| Carlsbad | | cheaper for companies to insure. This | | to maximize interest earnings on |
| Columbus | | translates into lower rates for the | | premiums. |
| Hampton | | Super Preferred customer than | | |
| Portland | | someone with higher risk factors such | | Shock Loss: A catastrophic loss so |
| Corona | | as a heart condition, cancer or | | large that it has a material effect on |
| Cypress | | diabetes. Conversely, if you were | | the underwriting results of a company. |
| Delray Beach | | unhealthy when you acquired your | | |
| Venice | | policy, and your health has now | | Burning Ratio: The ratio of losses |
| Fredericksburg | | improved, it might be time to shop for | | suffered to the amount of insurance in |
| Columbus | | a new policy, as your rates are likely | | effect. |
| Sumter | | to be lower. | | |
| Gulfport | | | | Agent's Balance: A periodic |
| Mountain View | | We offer quotes for auto insurance, | | statement of the sums due and owed |
| Buffalo | | life insurance, homeowners | | to an agent under the agent's contract |
| Pompano Beach | | insurance, health insurance, term life | | with an insurer. |
| Kansas City | | insurance and more. | | |
| Berkeley | | | | Gross Premium: The net premium |
| Richmond | | Why not take advantage of current | | plus operating expenses, |
| Pembroke Pines | | low prices? Many auto insurance | | commissions and other expenses. |
| Toledo | | consumers are becoming educated | | |
| Edmond | | on other companies, plans, and rates | | Approved: The condition which exists |
| Kansas City | | that are available to them; ones that | | when the person or object to be |
| Waco | | could afford them significant savings | | insured meets the underwriting |
| San Antonio | | on their auto insurance. | | standards of the insurer. |
