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| Harrisburg | | We offer quotes for auto insurance, | | Burning Ratio: The ratio of losses |
| Fullerton | | life insurance, homeowners | | suffered to the amount of insurance in |
| Jackson | | insurance, health insurance, term life | | effect. |
| Long Beach | | insurance and more. | | |
| Pueblo | | | | Provisional Rate: Tentative rates, |
| El Paso | | Everyone has different needs, and | | premiums or commissions that are |
| Wilmington | | not one size fits all when it comes to | | subject to subsequent adjustment. |
| Sarasota | | term life insurance. While it may make | | See Commission and Premium. |
| Denton | | sense for people in their 30s and 40s | | |
| Wichita Falls | | to secure a 20-year term length, a | | Appraisal: An evaluation of property |
| Lexington | | 10-year term might be more | | made to ascertain either the |
| Grand Junction | | appropriate for someone nearing | | appropriate amount of insurance to |
| Fullerton | | retirement. | | be written or the amount of loss to be |
| Anaheim | | | | paid. |
| Jasper | | Why not take advantage of current | | |
| Dearborn | | low prices? Many auto insurance | | Insolvent Insurer: An insurer which is |
| Fullerton | | consumers are becoming educated | | unable to meet its financial |
| Billings | | on other companies, plans, and rates | | obligations. |
| Stockton | | that are available to them; ones that | | |
| Green Bay | | could afford them significant savings | | Claim: A demand made by the |
| Ventura | | on their auto insurance. | | insured, or the insured's beneficiary, |
| Grand Rapids | | | | for payment of the benefits provided |
| Harlingen | | Healthy people have the best | | by the contract. |
| Evansville | | mortality risks and thus are much | | |
| Corpus Christi | | cheaper for companies to insure. This | | Claim Expense: The expense of |
| New Orleans | | translates into lower rates for the | | adjusting a claim, such as |
| Beaumont | | Super Preferred customer than | | investigation and attorneys' fees. It |
| Anchorage | | someone with higher risk factors such | | does not include the cost of the claim |
| Oakland | | as a heart condition, cancer or | | itself. |
| Reading | | diabetes. Conversely, if you were | | |
| Chandler | | unhealthy when you acquired your | | Agent's License: A certificate of |
| Hemet | | policy, and your health has now | | authority from the state which permits |
| Yuma | | improved, it might be time to shop for | | the agent to conduct business. |
| Austin | | a new policy, as your rates are likely | | |
| Vancouver | | to be lower. | | |
